Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Acting as a payee for a XXXX lady I received a check on XX/XX/year> made out to me to put into an account and dipurse to her as needed. Also keep records of where and when the money was spent. Opened an online account with chase Bank that eve XX/XX/year>. The ck. XXXX was {$3600.00} and represented XXXX back pay from XXXX. 
The next morning I checked the status of the check online at chase online banking. I stated the check was approved with a 10 day hold. So on XX/XX/year> the online account said the {$3600.00} was now available. 
So XX/XX/year> I went to a local branch here in XXXX only to be told that another 7 day hold was placed on the funds and I could withdraw them in 7 days. The branch manager spent at least 2 hrs approx.on the phone. When that day was over I had no explanation as to why this was happening. 
When I arrived home that evening, my mail had a new Chase debit card. I activated it and went to withdraw some cash. It wouldn't work even though when I called the card phone # to check it's balance the recording said that {$3600.00} was available. The next day I tried to go online to get info from my online account and was declined access.that was XXXX same day I recieved 2 letters from Chase. 
1 dated XX/XX/year> stated they had some questions about the account and asked me to call. I did immediately explained that I was the payee for the lady on the check and SSI had approved me in that capacity. That's.why it says pay to the order of XXXX XXXX for XXXX XXXX.Chase 's rep said that made sense and every thing looked fine. Over the next couple weeks I visited the local branch 2 times only to find the manager was not in. But Would get back to me. Then on approximately XX/XX/year> I received a checking summary letter show the XXXX to XX/XX/year> that the check had been deposited on XX/XX/year> and on XX/XX/year> a Debit XXXX charge had taken the {$3600.00}. 
XXXX money from my account. It had been 35 days when I got this letter and in all the conversation 's during that time no one from Chase had ever gave me that information. There was also a note on that letter stating chase had closed my account on XX/XX/year>. That shows my closed account at XXXX balance. This the same account that chase had sent the letter dated XX/XX/year> stating that they never opened that account based on my credit score It is now XX/XX/year> 40 days since I deposited said XXXX XXXX  check. Still no funds For the last 2 weeks I have spent approximately XXXX hours on the phone with chase customer support supervisors trying to get through to the XXXX Treasury to verify something.After holding for 30 to 45 minutes they have gave up and set up a time time to call me the next day. I got one phone call back. And again the chase p Rep. Gave up. One supervisor told me I would have to go back to XXXX and get a new check. So I went there and was told they could do nothing because chase had cashed the check and Received the funds approximately XXXX earlier. I've been lied to XXXX is being evicted for non payment of her rent. And I don't have the answers for her. There's more but I hope you get an idea of what we're going thru. No explanation of why and it's now been 40 days since the deposit I made and approximately 36 days since chase received the funds. Please help, Sincerely XXXX XXXX

Company response to consumer: Closed with explanation