Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2024 I deposited a check via mobile deposit to my Chase account. The check was issued to me by a loan company, XXXX XXXX, for {$430.00}. The check was being held for verification until XX/XX/2024. I tried to get the check verified by providing the check issuers phone number but chase stated that the phone was incorrect and didnt match the phone number in their personal database, they stated that they tried to call the number, however, it was XXXXXXXX XXXX mountain time where the check issuer is located and I let them know that they didnt answer because they had not opened their business location. They stated there was nothing they could do for me and that I had to wait until the check cleared to receive the funds. 
I called that evening again to get the check verified and spoke to an agent who was very rude and after I hung up on her due to her being very rude, 5 minutes later I noticed that she restricted all my checking accounts for no reason. I called back and spoke with a third representative who stated she should have not done that and also stated that he reported her to a higher level representative and suggested I go into a local branch in the morning. I had no access to any of my accounts, XX/XX/2024 I go into a local branch and after waiting for 40 minutes, a banker assists me, is making fun at the fact that my accounts are restricted and stated that I will probably not have access to them. He calls a number to get the check verified, the person who he speaks to stated that he can not validate the business phone number because it is not in their business database tool that checks phone numbers of companies. He advices me to go to the check issuer and request a stop payment or I will not receive my funds and my accounts will be closed. I call XXXXXXXX XXXX and they stated that they will try to ask for a stop payment from their HR. 
Week XX/XX/2024 I call various times and provide all phone numbers linked XXXX XXXX to attempt to get the check verified, not one phone number works with chases system. XXXX XXXX  sends me a copy of the released funds to chase that state the check cleared. Chase denies this proof and states that I have to wait until XX/XX/2024 for the check to clear. 
XX/XX/2024 I call chase to ask if they can release the funds because the next day is a weekend. They have me on wait before telling me that they are closing my accounts and do not give me a reason as to why. They state that they will mail the money to me within 15 days XX/XX/2024 I ask XXXX XXXX  to assist me with this matter and they contact chase. Chase provides an executive phone number and tells XXXX XXXX that they are not able to assist the, because they are not the account holders. XXXXXXXX XXXX lets me know that I must dial that executive phone number. I call and submit a case with the executive office XXXX I call consistently and are never able to speak with my agent. Other agents state that she will email me with an update. There are no updates XX/XX/2024 I call again and the agent states that they are unable to verify the phone number to XXXX XXXX  even though XXXX XXXX is also on the phone asking for the information needed to verify the check. Chase does not accept this and states that I am unable to get the funds

Company response to consumer: Closed with explanation