Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/XXXX- We ( XXXX XXXX XXXX & XXXX XXXX XXXX ) XXXX XXXX joint XXXX account which we closed. We received an Official Check ( receipts attached ) in the name of XXXX XXXX XXXX for the amount of {$4200.00} which was then deposited into XXXX XXXX 's Chase account on the same day through the Chase Banking mobile app. 

XX/XX/XXXX- We received an email letting us know that our check was deposited but the amount was adjusted to {$1200.00} instead of {$4200.00} ( email attached ). We immediately called Chase customer service. We were told that the check image was not clear so they went ahead and deposited it for the adjusted amount of {$1200.00}. The customer service representative opened a case to remove the incorrect deposit of {$1200.00} and let us know to redeposit the check in-person at the Chase branch, once the incorrect deposit was removed. 

XX/XX/XXXX - XXXX case to remove the incorrect deposit was closed and the claim was denied. ( First letter attached ) XX/XX/XXXX- We visited the Chase branch ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ) and the Chase teller called the customer service representative and opened another case to remove the incorrect deposit of {$1200.00}. The Chase teller deposited the check at the branch for the correct amount of {$4200.00} ( receipt attached ) and assured us that the incorrect deposit of {$1200.00} will be removed and the new deposit of {$4200.00} was posted on the account. 

XX/XX/XXXX- The case to remove the old amount of {$1200.00} was denied AGAIN and the case wase closed ( Second letter attached ). 

XX/XX/XXXX - XXXX the Chase Banking mobile app, we saw the amount of {$4200.00} was removed from the account. 

Week of XX/XX/XXXX - We visited the Chase branch again ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ) and we were told there was nothing they could do. The Chase teller asked us to file a claim with XXXX to provide a check for the remaining amount of {$3000.00}. We also spent XXXX hours on the same day trying to work with the Chase customer service on the phone to find a resolution because it was their fault for depositing the incorrect amount but they said again that they could not do anything. The same week, we went to the XXXX XXXX ( XXXX XXXX  XXXX, XXXX, NJ XXXX ) and talked to XXXX XXXX ( card attached ) and he said he would look into this and get back to us by next week. 

Week of XX/XX/XXXX - XXXX never heard back from XXXX XXXX XXXX so we visited the XXXX branch again but he wasn't there at that time. Then we visited another XXXX branch ( XXXX XXXX, XXXX, NJ XXXX ) and talked to XXXX XXXX XXXX XXXX attached ), who emailed XXXX customer service to rectify this. XXXX XXXX XXXX let us know that XXXX representatives will work with Chase representatives, and that we should expect to see the remaining {$3000.00} amount posted to the account in XXXX weeks once resolved. 

Week of XX/XX/XXXX - We never heard back from XXXX XXXX XXXX or XXXX XXXX XXXX so we followed up both of them via email. XXXX XXXX XXXX replied saying he will look into this but we have not received an update. 

XX/XX/XXXX - XXXX XXXX XXXX finally called us on the phone after we followed up 3 times to let us know that there is nothing XXXX can do. He said that we will need to open a claim with Chase to fix this, as it was Chase 's fault for depositing the wrong amount- which brings us full circle to the XXXX claims that were already denied by Chase on XX/XX/XXXX and XX/XX/XXXX. 

For the past XXXX months, we have been out of {$3000.00} and have spent XXXX hours trying to fix this, only to be passed around between Chase and XXXX XXXX with no resolution. 

Summary : XXXX XXXX XXXX and XXXX XXXX XXXX closed their joint XXXX account and received a check for {$4200.00}, which was deposited into XXXX 's Chase account on XX/XX/XXXX. The next day, they were notified that Chase had adjusted the deposit to {$1200.00} due to a blurry check image. Chase opened a case, but it was denied on XX/XX/XXXX. 

On XX/XX/XXXX, they visited a Chase branch where the teller redeposited the check for the correct amount, but the case was denied again on XX/XX/XXXX. In early XXXX, they were advised to file a claim with XXXX to recover the missing {$3000.00}. Despite multiple visits and hours spent contacting customer service, both banks are now claiming there is nothing they can do. By XX/XX/XXXX, after weeks of follow-ups, they were told to reopen a claim with Chase to resolve the issue. 

After XXXX months and XXXX hours spent, they still haven't recovered the {$3000.00}, being passed between both banks with no resolution and no viable options left.

Company response to consumer: Closed with monetary relief