Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX I received a check for {$7900.00} for an item I was selling. I remotely deposited the check through my app. 
XXXX I received an email confirmation that Chase had accepted my check for deposit however it would be on hold until XX/XX/year>. 
XXXX I received an email from Chase saying `` Please contact us-To help protect against fraud, we restricted and may need to close your account soon '' It also said to call them as soon as possible to address the issue. The email also said " If we close the account and there is a remaining balance, we'll send you a check by mail to the address on file. '' XXXX I called Chase 7 separate times to try and resolve the issue. They gave me two options- 1. Get into contact of the registered agent of my business/or change the registered agent of my business to myself or 2. Give them the phone number of the owner of the business who wrote me the check that I had chased. I gave Chase the personal cell phone number of the business owner but they could not verify that phone number being connected to the business who wrote me out the check therefore they could not help me further as the business owner would need to change her phone number with the public record. Chase instructed me to tell the business owner to cancel the check or put a stop payment on it. 
XXXX I had contacted the owner of the business who wrote me the check and had verified that the money had been taken from her account and she could no longer put a stop payment or cancel the check. She is very concerned that this is all fraud and that I am being scammed and am now scamming her too. 
XX/XX/year> I contacted Chase again as nothing had changed and to see what they recommend to do as the maker of the check could still not be verified. They gave me the same two options as before and were of no help. 
XX/XX/year> I contacted Chase again but this time asked how long I had until they would close down my account and the man on the phone said I had until XX/XX/year> to get this issue resolved or my account would be closed. 
XX/XX/year> I contacted Chase as I had changed the registered agent of my business to myself and reflects on the State website. The women on the phone was able to verify that she did indeed see that the registered agent was changed however she informed me that my account had been closed even though the man I had talked to just two days prior gave me an entire week to try to keep my account from being closed. She informed me that The new paperwork for the registered agent was being sent for review and that it should take the review team 2-5 Business days to review it and that by mid week the following week or the next week I would be receiving a check in the mail from Chase for the full {$7900.00}. 
XX/XX/year> I contacted Chase as I have yet to receive a check in the mail for the full {$7900.00} and wanted to check in and see where it is. The man on the phone said a check has not been mailed out. When asking why he stated that the maker of that check still needs to be verified even though I was told 3 weeks ago that a check was being sent to me and the review of the registered agent of my company had been completed. 
I am at a loss of what to do now. Every single person that I talk to with Chase keep telling me different things, Chase has now withheld my money from me for just shy of a month even after talking to several people and doing what they have asked of me.

Company response to consumer: Closed with non-monetary relief