Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I withdrew {$30000.00} from XXXX XXXX in the form of a bank check and deposited it in chase business account, which I did the last month and many months prior. The funds were to cover salaries taken off by XXXX. I asked the teller, who I had used before if the funds would be available after midnight, which is what I have asked in the past, and he said yes. Well, that didn't happen. chase put a hold on the check which caused my salary payments from XXXX to go into default and XXXX suspended my account. To this day I have never received a notice from chase that this check was to be placed on hold. When XXXX contacted me re the issue of the salaries I was mystified. I went onto chase online and noted there was a hold on the check. I went to XXXX XXXX and asked them & they said they didn't do it and if chase did they had to notify me in writing of the hold. I called chase and was told that there was a hold and that's all. No reason was given. on or about XX/XX/XXXX I went to the same local chase branch located at XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX. 
I spoke to the teller and it was then the unfriendly branch manager interrupted the conversation and said I had to call chase directly, which I told him I had done. He was very obstinate and rude. I became upset and told him he's unhelpful and that they are the worst bank branch and I immediately left the bank. On or about XX/XX/XXXX I went back to the same chase branch and asked to see the manager who was busy. I spoke to someone else and wrote a note asking him to look into the issue and to see if he could remove the hold on the check. I never heard back from him, nor anyone else. I have still XXXX received any written notice or explanation ofr the check stoppage - a violation of Federal CC regulation Sections 229.13 and 229.16. 
Several weeks went by and I again went into the branch, this time with a floral arrangement gift which I gave to the same female teller that I had last spoken to on XX/XX/XXXX. She had a customer that she was serving and so I just handed the arrangement to her and apologize if I had been a bother. She appeared grateful and thanked me and smiled. I then left. On or about XX/XX/XXXX I wanted to make a payment on my chase Sapphire credit card and my southwest credit card - both by chase and noted that both had been closed. It appears as though the branch manager had taken actions that may constitute retaliatory misconduct following my good-faith complaint about the check hold. I then filed a complaint with chase in writing to the jpmorgan executive office and filed a complaint re the credit card account closures with the CFPB complaint # XXXX on XX/XX/XXXX. This complaint is separate and supplemental to my original one as it involves checking and other accounts and services being terminated. 
On XX/XX/XXXX I received text from chase to call them about my business checking account, which I did. I was informed that my checking account had been closed and no reason given other than they had decided to terminate the relationship. 
I have not received any notice in writing to this date ( XX/XX/XXXX ) and was not given any opportunity to arrange for stopping payment to be deducted from the now closed account and noted that the closure was immediate. 
My company provides services to a number of businesses who pay online, including XXXX. A payment from XXXX is currently sitting in my closed account and I can not access the funds to pay accounts or anything. When I inquired about it, I was told by the person on the call that the funds would be mailed to me in the form of a check within 4-6 weeks. 
I also noted that a separate company account I have with chase is also closed as well as my personal checking and savings account and XXXX investment accounts. I also have a car loan account with chase and have no way of accessing it to make monthly payments or even know what the status is. 
Earlier today ( XX/XX/XXXX ) I received another call from chase at XXXX from XXXX. I inquired as to the nature of the call and was told that they wanted to inform me my account was closed. I told the person that I had already received such a call on XX/XX/XXXX and asked if there was anything else they wanted to discuss. I was informed several times that the call was being recorded and the person asked if I had anything else to say. I thanked them for the call and stated that I had filed a complaint with the CFPB and chase executive office re the credit card closure and was going to do so for the checking accounts as well. 
It is my sincere belief that the manager of the chase branch where I had the issue and where the check was stopped on XX/XX/XXXX was and is acting out of spite and retaliatory misconduct and that behaviour has had a significant effect on my good standing, good name and will in all likelihood adversely affect my credit rating, health and welfare and general good being. 
I am a person of good standing in my community and have always worked for charity and community organizations and for the benefit of my fellow citizens and neighbors. After the terrible events of XX/XX/XXXX I enrolled in and completed XXXX XXXX and XXXX XXXX XXXX courses and became a sworn deputy sherriff and a member of the XXXX XXXX XXXX XXXX. 
I have taken screen shots of all accounts showing closed status and such and can provide hem should it become necessary.

Company response to consumer: Closed with explanation