Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I spoke with the bank to see if they accepted 3rd party checks due to my business providing work for customers the get paid through insurance. The guy at the XXXX bank assured me they do and I explained the process I was looking for so he assured me they do so I opened a hardness account. I then deposited the check I had from my customers mortgage that had been signed over to me by the customer and there mortgage company. First deposit for {$4400.00} and then a few days later the other check for & XXXX Chase bank rep said since it was one of there checks it would be released within 12 business days. Then I got a notification from the back around 8 days in after depositing the other insurance check for the completion of the job that was also signed over by the customer and there mortgage company that my account was locked. So I called and they had me give them my customers mortgage information and customers number which I provided and they verified with my customers mortgage that the customer had signed over the check to me from them giving them permission to release it to me. The rep then called my customer but after I spoke with her she said she did not receive a call at all. I then asked to speak to a supervisor which they transferred me and I explained the situation. The rep identified herself as a supervisor and said she would release the hold and unlock my account which she did showing funds available. 2 weeks later I go to deposite a mobile deposite and is said my account was not able to. So the I tried to move money from my chase businesses account to my chase savings account and it said not available. So I called the bank where they transferred me to XXXX XXXX who was very rude and told me the account was locked again for the same thing on the same check. I explained what had happened to him and he and to contact the supervisor that already verified and unlocked my account. He told me that person that was logged in and did that was not the supervisor that she said she was and would not tell me her name. I explained my frustrations and he started getting blunt and unprofessional saying he didn't have to listen to me and to quit interrupting him and am I ready to listen like I was a child. I asked for his supervisor he said he can not provide one and then said one would call me back within 2 days. 
I then called the XXXX branch and asked for the branch manager and spoke with XXXX XXXX  who gave me her direct number and said she would look into this and get back with me today. I did not hear back so I called and left a message. I really need this resolved and from my point of view they are holding my money to collect interest for the bank and also committed fraud if the lady I spoke with first stating she was a supervisor unlocking my account only to have it locked out again from someone else in a different area a week later. There is a way to see who it was on the log of my account and they will not give me her name. I am ready to take this to my attorneys

Company response to consumer: Closed with explanation