Consumer complaint received 2025-04-06 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:
On XX/XX/XXXXXXXX  a check for {$13000.00} was deposited to my checking account in XXXX XXXX, ca. I ( XXXX XXXX ) live in XXXX, ca the check was not made out to me or endorsed by me and it clear the very next day! And some how they started to retrieve the funds from the account, I was also getting emails that I contacted chase I never called chase or received a call from them so someone was impersonating myself! On XX/XX/XXXX I woke up and saying my account was overdraft by $ XXXX I immediately call chase and file a fraudulent activity on my account days went by I didnt hear anything so I called chase they said I was liable for the money spent! I was like check your bank and atm cameras that wasnt me, yes you are liable because neglect! I asked neglect on what? She stated because I didnt check my chase app daily! I was like really! So I then went into a branch and file a complaint! I was cooperating with chase! The branch manager of chase XXXX XXXX, ca helped me out, and she realized I was a victim of identity theft and file a complaint on my behalf to chase and she told me I was supposed to get a called I never did, on XX/XX/XXXX received a txt msg saying to contact chase to avoid my accounts being closed I did and they told me that the accounts where going to get closed in 10days and I could go to a branch and retrieve my money! I have a XXXX old baby that is on XXXX  and that same night I went to XXXX  to buy formula and my transaction was declined, I immediately went to chase bank atm and same thing. I called chase and they told me to call in the morning that theres nothing they can do for me, I call the next day morning and they told me and I recorded thru my phone the conversation that I can go into a branch and retrieve my money and close my account! Also as my wife ( XXXX XXXX ) is getting ready for work I she trying to mobile order XXXX and her chase debit card got declined! She immediately called chase and they told her her account is restricted because my personal checking account got compromised my wife and I have and joint checking account and she has a personal checking account so they told her that I need to go to a branch and remove my self from that joint account so they can remove the restriction on all her accounts! At this point my wifes account and my account where restricted no money coming out no money in! She was supposed to get paid direct deposit and it didnt go thru! Now in days no one carries cash! And all of our money is in chase bank and having XXXX kids and no means of accessing our money to feed our kids is kind of cruel & punishment money that is ours we earned that money! But I was told I can go into a branch a either remove myself from the joint account so my wife or retrieve my money and close the account that is joint with my wife and they remove restrictions to her personal accounts! So I went to the chase branch and talked to XXXX XXXX and I explained to him the situation and basically told me the chase customer service over the phone lie to myself and my wife after playing the recording to them! And branch manager XXXX XXXX was going to file an expedited complaint on my behalf! I explained to them I have kids and they have to eat my wife and I have jobs and need gas money as well and this is going to impact our lives negatively especially our kids! I just kept hearing sorry! So I told my wife which is at work the situation! So as soon she gets off at work she calls chase and records the phone call! They told my wife all she needs to do is go into a branch and close her personal account because its been compromised and open a new one and theyll roll that money over! So we went to a chase account and before getting help we talked to a supervisor and explained our situation and she told us we would be able to help you! Once we got attended by a banker they told us other wise my wife played the recording and they said that they lied to us again! We urge and plead for help because our kids need food to eat, all we got is sorry! My wife talk to the branch manager all we got we going to expedite a complaint and you should hear something back on Monday XX/XX/XXXX! I been a loyal customer for chase over 10+years I co operated with this situation I could of done something shady a remove all my money as well as my wifes! But chase made it seem reassuring that they where going to resolve this issue not XXXX XXXX  XXXX  because they messed up because they accepted and cleared a check that was not made to XXXX XXXX and was not endorse by my signature! The fund where available the very next day according to chase! I deposited sometimes check for {$1200.00} and the funds take XXXX days to clear how does this make sense!!! We where told our accounts where going to be closed and the balance in the account checks where going to be mail to us in 10-15 days I asked what about the negative $ XXXX in my checking account? They told me Im not liable for that thats why there closing my accounts and could no longer bank with chase! This had nothing to do with my wifes personal checking account that is not linked to myself! This has been filled out to best of my knowledge Im really hungry todays date is XX/XX/XXXX approximately XXXX I havent been able to sleep! Please help

Company response to consumer: Closed with explanation