Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Starting XX/XX/XXXX Ive been on the phone with why is my chase account restricted and theres a hold on my husbands check, that he authorized me to deposit into my account with proof by the company that he authorized. So the first person tells me to remove the restriction and get my money I would have to let them speak with my husband they speak we both go in person to verify his Identity and then the next person says to try and get the check to be sent back, but the funds had already cleared so that means chase is the only party suspecting fraud and who has the hold. The last XXXX people told me I need to give them a number associated with XXXX ( the place my husband works but the retirement company is XXXX XXXX XXXX XXXX  XXXX XXXX ) so they call and XXXX tells them they can not verify that kind of information because the company they use is XXXX XXXX XXXX XXXX  XXXX XXXX who CAN verify that they sent the check. But they want to speak with either XXXX XXXX  XXXX or XXXX because of the names on the check. I was told they cant call XXXX  XXXX XXXX even though they are the same company as XXXX and can confirm they sent a XXXX check to XXXX XXXX my husband ) from his XXXX account. XXXX does not directly do XXXX Bank XXXX XXXX XXXX XXXX branch does. So they have basically restricted my account and are keeping my money because it is impossible to verify a check with a company who didnt send they actually check. Also, its against XXXX policy to share details on checking with parties that dont include the associate. So impossible process. Whats going to happen is chase has my check because the other bank confirmed 4 times that it cleared already and the money was sent, so chase will keep my account restricted on fraud and close it because the investigation is impossible to prove without speaking to XXXX XXXX. My money cant be removed even if the take the hold of the check because they flagged it as fraud. The other company has cleared the funds, we have the physical check with the stub and address, we have the confirmation number of the XXXX company and everything we would need to prove its a real check. I believe they are holding my money unlawfully and are hiding behind the federal fraud claim even though there is nothing fraudulent happening. Its my husbands XXXX check withdrawal from a funeral expense of burying my parent. He has the account with XXXX who uses XXXX  XXXX XXXX XXXX XXXX as their retirement and stock fund company. He has proven he gave me authority to deposit the check. They didnt give my the money until the check cleared they waited until it cleared to say it may be fraudulent. I even called before I deposited it and the lady said as long as my husband signs and is the XXXX who gave me permission to deposit it it is ok. Chase does XXXX party deposits if the check is signed by that person and is confirmed they allowed it.

Company response to consumer: Closed with explanation