Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited my tax return to my Chase account the teller told me that I wont have access to my funds until XX/XX/XXXX but told me to call the number on my receipt on XX/XX/XXXX to have them expedite the funds since its a federal check. At XXXX that night I received a email from Chase stating that they restricted my account and to contact them to avoid account closure I contacted them the next morning to get the restriction lifted off my account I was told that I have to wait until the third once the funds post to my account to get the restriction removed. Once the funds posted on XX/XX/XXXX I contacted the back to lift the restriction I was told that they can not lift the restriction and I have to wait until the IRS verify the issuance of the funds. I called everyday regarding this matter and everyday someone new gave me a different excuse. I was being told constantly that Chase is waiting on the IRS I took it upon myself to call the IRS the representative that I talked to informed me that the funds being held has nothing to do with the IRS and that Chase is holding the funds so I need to contact them. I went into the branch to try resolve the matter the manager called the customer service line the representative that she spoke with asked if I have any documentation to verify that the funds is for me I went as far as giving them a copy of my 1040 in which they said itll take a maximum of XXXX hours to show in my account. My account was closed on XX/XX/XXXX in which I was told once the account closed to contact Chase the next day to verify that they have mailed out my final funds. I contacted the bank on XX/XX/XXXX to be told that they didnt send out my funds and have a suspension on my funds until they can contact the IRS XXXX verify that the funds are for me. I called again on XX/XX/XXXX the representative told me to call back in an hour because she was going to assist with verifying the funds. When I called back I got transferred to another department where no one answered my called and end up hanging up. I called XX/XX/XXXX the representative put me on hold and told me to give her XXXX minutes to contact the IRS to verify she returned back to the call to tell me that she can not get in contact with them and to try again on Monday. Today XX/XX/XXXX I contacted the bank once again I was connected with a rude representative who told me that I should call the IRS and have them cancel the check that was already cleared and figure out a way to get my money from them. I gave the representative the number of the fraud department for the IRS I was a victim of identity theft and thats why Im just now only receiving my funds which I have been informing the bank from the start, but no one seemed to document that on my profile. He called the number and returned to the call we were unable to get anyone on the phone Im unsure what extensions he pressed before returning to the call, but whenever I call I always get through to them. Its about to be a month next week and this bank is still holding onto my funds giving me the runaround. I provided them with my personal documents like they asked to be told that thats not supportive enough and they need a verbal verification.

Company response to consumer: Closed with explanation