Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Summary of Issue : On XX/XX/year>, I deposited a {$3600.00} check issued by the XXXX XXXX XXXX into my Chase account via mobile deposit. The mobile deposit confirmation stated that funds would be available by XX/XX/year>. On XX/XX/XXXX, I received an email from Chase stating that the funds would be delayed until XX/XX/year>. 

I immediately contacted Chase and received contradictory explanations : One department said Chase had not received the funds from XXXX. 
A supervisor said the issue was the clarity of the check image, and that going into a branch would fix it. 
At the branch, the manager first stated he could verify funds with XXXX, then later denied he could do so, even after I presented written proof from XXXX showing that the funds had already cleared. 

Despite presenting proof, Chase has refused to release any portion of the funds, placing me at risk of mortgage delinquency, late fees, and credit damage. The branch manager offered only a {$50.00} concession for potential fees, which does not address the harm caused.

Why This Is Improper 1. The check is a government-issued check.

Under 42 U.S.C. 1437a ( b ) ( 6 ), a public housing agency is defined as any State , county, municipality, or other governmental entity or public body ( or agency or instrumentality thereof ) authorized to operate public housing.

Under Ohio Revised Code 3735.27, XXXX XXXX authorities are created as bodies corporate and politic, and the XXXX XXXX XXXX  has held they perform a governmental function ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX XXXX ). 
Therefore, XXXX is a governmental entity, and its checks qualify as government checks under federal funds availability rules. 
2. Regulation CC ( 12 C.F.R. 229.10 ( c ) ( 1 ) ( i ) ) requires next-day availability for government checks.

The regulation states : A depositary bank shall make funds available not later than the business day after the banking day of deposit for checks drawn on the Treasury of the United States, XXXX. XXXX  XXXX  money orders, and checks drawn on a state or unit of general local government if deposited in person with an employee of the XXXX  XXXX. 
While I deposited via mobile deposit, once I presented the original check and XXXX  verification in person at the branch, Chase should have treated it as an in-branch government check deposit and released the funds accordingly. 
3. Chase provided misleading and inconsistent explanations. 
I was told multiple conflicting stories ( funds not received, image unclear, funds can be returned for 10 days ). 
XXXX confirmed the funds cleared and provided proof, yet Chase continues to state otherwise. 
This demonstrates poor internal handling, potential violation of Regulation CC, and deceptive communication to the customer. 


Harm to Me I can not pay my mortgage or bills on time. 
I face credit score damage due to Chases refusal to release verified funds. 
I have lost time, energy, and resources visiting multiple branches, speaking with supervisors, and verifying with XXXX

Company response to consumer: Closed with explanation