Consumer complaint received 2018-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I wrote a check to an individual, XXXX XXXX, Check # XXXX, in the amount of {$1600.00} on XX/XX/XXXX. The individual deposited the check the same day at XXXX XXXX, routing # XXXX. On Saturday, XX/XX/XXXX XXXX XXXX, XXXX, WV, notified the individual the check had the stale date of XX/XX/XXXX and would be held and not deposited. Since it was deposited in the ATM the check was scanned and sent to their Corporate Offices. The check was not going to be honored because of the incorrect year. I withdrew {$1600.00} cash from my checking account to give the individual in lieu of the check. However, on XX/XX/XXXX the check amount of {$1600.00} was deducted from my checking account, which is at Chase Bank. Since then, XXXX XXXX Fraud Department has been holding the funds. They want Chase to request the funds to be sent back. However, Chase states they can not recall or cancel the check since the funds have been sent to XXXX XXXX. I spoke to the XXXX XXXX Branch Manager, XXXX, who stated I had to get Chase to get the funds returned. I called Chase Bank, who transferred me to their Claims Department. The Claims Department stated they could not handle the issue since there isn't a claim. The Claims Department stated I would have to get the local branch to handle the issue. I called the XXXX number for Chase. I was instructed to go in person to the Chase local branch and request a recall for the check. If the local branch didn't know what to do I was to tell them to call Branch Support to complete the Recall. XXXX at the local branch called Branch Support and completed the form on line while I was there on XX/XX/XXXX. I waited one week and on XX/XX/XXXX called the local branch. XXXX was on vacation so I was connected with the branch manager. The branch manager stated he would have to make some calls to check the status. He called me back the same day and stated the recall was denied and if XXXX XXXX suspected Fraud they should have sent the funds back to the origin, which was my checking account. I called XXXX XXXX back today, XX/XX/XXXX and spoke to XXXX. The branch manager, XXXX, was on a conference call. I gave XXXX the information regarding the {$1600.00} transaction and hold so XXXX could make inquiries. XXXX stated XXXX would call me back today. I did not hear back from XXXX on XX/XX/XXXX. The {$1600.00} has been in the hands of XXXX XXXX for over 3 weeks now and they refuse to return the funds while Chase Bank states there is nothing they can do. I could certainly use some help as I am getting nowhere with either of these banks and I don't know who is wrong. I made the mistake with the year on the check but this is ridiculous to take this long to return the funds. I filed a complaint first against XXXX XXXX whose Corporate Office is demanding Chase provide an Indemnity letter. Chase Executive Offices were notified with complaint reference number XXXX on XX/XX/XXXX. To date Chase has failed to take any action or respond with their intentions. This is now 5 weeks and no closer to a resolution.

Company response to consumer: Closed with monetary relief