Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing this email with Great XXXX  and Shock that I would ever have to go through a horrible experience like this and the way I am being treated by Chase bank. I have been a customer for almost XXXX years, with multiple bank accounts, XXXX plans and a XXXX card that I spend in excess of {$10000.00} per month. I have been betrayed, XXXX and Robbed by Chase bank. 
My XXXX account has now been locked since Thursday XX/XX/year> seemingly because of a double endorsed check that I deposited in the XXXX XXXX branch on Wednesday XX/XX/year>, after inquiring with multiple tellers and other employees to confirm that this was allowed. The very next day I received a text message and email from chase which at first looked like spam to me but I walked into my local branch and in fact it was a real email XXXX  to close my account within XXXX days if I dont address this matter. I spent the entire afternoon at that chase bank and on the phone XXXX times with different representatives and a XXXX at the fraud dept back office. No one could help me and at XXXX point XXXX of the representatives told me that after XXXX  days my account would close and I XXXX never get my money back.. My {$49.00} XXXX dollars that was in the account before the deposit which I use to live day to day and pay my bills and the check for $ XXXX that is a 100 % real check handed to me by the attorney and signed by XXXX XXXX XXXX which has already cleared. 
He caused me to have an XXXX  XXXX which lasted for XXXX  where I could not XXXX XXXX XXXX XXXX XXXX I came back the next day to speak with the XXXX  manger, XXXX XXXX who helped me call the fraud dept to inquire further. 

This check was a settlement from a hospital that my grandmother, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, a ( XXXX XXXX XXXX XXXX  XXXX  ), she was XXXX  in and XXXX  for weeks. It took us years to get this money and my grandmother is in the process of setting up a XXXX  for her grandchildren and great grandchildren with this money. If they lock this check and my account up and do not let us move forward and she passes away before this process is done then the money will be lost with her death There is NO FRAUD here at all, Its a real check and XXXX XXXX can be called and they XXXX have already called but when they are trying to look up my grandmothers name there was no number listed to call. I provided her number, And this should not be the only way to verify a person as the system is completely flawed with no other options and the result is the bank cold heatedly locks the customers account for XXXX business days and keeps their check in question until a number can be verified by a XXXX party and they don't tell you what the problem is. I have video showing myself calling the number from my cell and my grandmother picks up the phone holding her XXXX drivers license. She can walk into the bank with her id as well and they just wont allow it I did some research and lots of people have had this verification problem with chase as they use XXXX I believe and their system is antiquated and flawed. If your in a family plan or if your number once belonged to someone else then it could have their name and wont come up verified and the bank just says they will keep your check. I now spoke to XXXX different people in the fraud dept including XXXX managers. They dont care to help all same answer I can provide videos of her answering her phone and showing that the number matches as well. please let me know

Company response to consumer: Closed with explanation