Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
bXXXX my wife and I bought our home. When we closed, our realtor XXXX XXXX gave us a check from the seller for her part of sewer repairs.  The check was made out from Chase Bank, good for 7 years. The check was for $XXXX.  This can be confirmed by XXXX XXXX  Office Manager XXXX  XXXX at XXXX.  Not wanting to do the sewer at that time, we held the check for six years and then decided to deposit it. We opened a checking and savings account at Chase XXXX Branch Bank, XXXX XXXX XXXX XXXX NJ. XXXX, on XXXX  XXXX.  XXXX The checking account was XXXX, and saving account XXXX. We used the check to open those accounts.  Before we left the bank that day, Chase informed us the money for the check was not in the bank system.  Being a Saturday, they could not verify where the money was because Chase offices were closed for the weekend.  THEY HELD THE CHECK AND SAID THEY WOULD LOOK INTO IT. We never saw the check again. The following Tuesday Chase called and said that the money was in process of being transferred to unclaimed property.  We found out it was transferred to XXXX XXXX XXXX, which I will refer to now on as XXXX.  \n\n According to XXXX; the standard procedure for Chase bank is if they destroy a check they keep a copy of the front and back, and that becomes the legal document.   Even though XXXX  has our money, in our names, they refuse to give us our money.  XXXX  states; without the check or legal document they will not release the funds, the reason is someone could show up with the check. We have a photo copy of the front of the check that we have gotten from our realtor.   XXXX will not accept the photocopy.  At XXXX  we have talked to XXXX XXXX at XXXX and her supervisor XXXX XXXX  at XXXX, case XXXX.\nSince XXXX we have gone to two different Chase branch banks trying to get information that would satisfy XXXX.  In the past 5 years we have contacted Chase and XXXX  several times trying to get our money.    XXXX we even hired a lawyer in Ohio trying to get XXXX  to give us our money.  We have had no success.\nAt Chase bank we have talked to the following.  I believe they have been in Chases Unclaimed Property\nXXXX and XXXX XXXX XXXX  Branch Complaint Escalation Group, Phone XXXX  ext.XXXX   Case Number XXXX  \nXXXX  and XXXX XXXX XXXX      phone XXXX or XXXX XXXX XXXX\nXXXX XXXX XXXX      Phone XXXX XXXX XXXX XXXX\nNot sure of the date, XXXX XXXX          Phone XXXX XXXX XXXX XXXX\nThe information we received from these reports is that Chase has the account being opened but because the money for the check was no longer in Chase Bank, the deposit did not register; there is no trail of the check.  The funds were transferred to XXXX, and XXXX  has the funds in our names.  In two different conversations with Chase Bank, two employees within Chase bank told us that the check would have been held for 90 days and if the funds were not in the system the check would have been shredded.'

Company response to consumer: Closed with explanation