Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Despite multiple attempts to deposit XXXX check no XXXX dated XXXX issued by JPMorgan Chase ( Check ) I have been unable to do so.. 

Further, Chase has been unable or unwilling or unable to provide documentation, inclusive of required " notice of dishonor '' indicating that the check has been presented and can not be honored. This is in violation of Regulation CC, 12 CFR Part 229 ) and the Uniform Commercial Code ( UCC ) mandating a swift Notice of Dishonor be presented representing their inability to honor the chec. 

Chase is well aware that this Check is for the purpose of a Settlement with Chase 's customer XXXX that was negotiated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and due to XXXXXXXX XXXX billing overcharges from XXXX - XXXX. Further, Chase is aware and that their refusal to provide the necessary documentation is allowing their customer, XXXX, to avoid responsibility to pay the Settlement amount, claiming to the XXXX that there is no evidence that the Check has been presented. ( Please see attached letter from XXXX ). 

The Check is not valid. Despite multiple attempts, Check was not honored at two Chase Bank branches on at least five occassions. Per the bank manager at the XXXX XXXX, XXXX, NY Chase branch, Chase would not and could not honor the Settlement Check deposit request due to XXXX failure to submit the check information to the Chase Positive Pay account system. 

Chase customer payee presents a Chase customer payor check at a Chase branch, the bank teller may review the account of the payor to determine if the funds are either in the account and/or have been released from the Positive Pay ledger. As an apparent curtesy to its corporate clients, what would typically be rendered a fraudulent check and potentially subject to criminal charges, is simply returned to the individual attempting to cash/deposit the check, with the endorsement cancelled and no other form of documentation to represent presentation of the check and this refusal of bank to honor check is provided. It would be of interest to understand if XXXX staff was aware of this internal Chase process which makes it difficult and time consuming if not impossible to obtain documentation on my inability to cash/deposit the Check. Please advise.

I am concerned that Chase allows its Customers to avoid legal responsibility through its Positive Pay offering. Chase policies require that they contact their Customer to inform them of the failure of the Check to be processed. If this is the case, and Chase informed XXXX of the failure of this Check to be honored, XXXX has further lied to XXXX during the course of its investigation- which is a felony. 

XXXX has refused to provide relief and insists that this Check can be deposited/cashed and that there is no evidence that I have attempted to cash/and or deposit the Check. 

In order for me to obtain relief from the XXXX XXXX System as well as the XXXX Police Department and prove that the Settlement Agreement has been breached, Chase will not honor the Check and that the Check issued was fraudulent, I will need to present written evidence of Chase 's refusal to honor this check. The continuing failure of Chase to provide this documentation perpetuates the fraud XXXX effected.

Company response to consumer: Closed with explanation