Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, I won {$1400.00} at XXXX XXXX in XXXX XXXX VA, for a bingo game called XXXX XXXXt. I was paid the winnings via check. Since it was a holiday, I deposited the check into my Chase checking account. The check was placed on a 7-day hold. About 3 days later, I could not access my account, and the reason I got was that the check was flagged for suspicious activity by the bank the check was written on, which was XXXXXXXX XXXX I was instructed to call the fraud department, which I did. I was told the check was flagged and not verified by the bank, and that Chase would need to speak to the issuer about it. 
I got in touch with the bingo hall and spoke with the association 's vice president, who wrote me the check. He informed me that he could talk to the bank to clear it up and that he had never heard of such a thing happening before. He said that if XXXXXXXX XXXX  were suspicious of a check from their account, they would contact him to verify that the check was issued. Because it was a handwritten check, which it was, he stated that the bank did not contact him. XXXX XXXX, the vice president of the gymnastics group that issued me the check, said that he followed up with XXXXXXXX XXXX and the banker told him that they did not flag the check for suspicious activity ; this must be something Chase did. He also informed me that the check cleared his account on XX/XX/XXXX, even though Chase 's Fraud department told me it did not clear and would be on hold until XX/XX/XXXX. If the check clears, the restriction would be lifted, as I was told by 3 different representatives in the Fraud Department. I even went into a local branch to show them the tax form I received for the winnings, but they did not want to see it. I was then told that the issuer of the check would have to answer the number listed in the public directory to verify it. This went on for another 4 days. On XX/XX/XXXX, when the hold was supposed to be released but was not, I returned to the branch to inquire why. I was told on that day that the issuer of the check would have to speak to them when they called to verify the check, and that the funds would not clear or be available until then. XXXX XXXX informed me that their non-profit organization 's phone number is a gymnasium, and no one is ever in the office, so they would have to leave a voicemail, and he would return the call. Chase said that would not work. After I went back to the branch to request my money, since XXXXXXXX XXXX had the check marked as cleared, XXXX took time out of his day to drive 30 minutes to the gymnastics center to answer their call because he felt bad that I had to go through this for so long. After they spoke with him to verify the check and admitted to me that it had indeed cleared, they told me that a request to lift the restriction had been submitted and to wait 24-48 hrs. After 48 hours, I still had no access to my account or my money. I called back to be told that my account was being closed, all of my accounts, including my daughter 's account, and the only way to get the funds would be to go inside a branch and speak to a branch manager to withdraw the money. For 15 days, I got the runaround about this check that was not fraudulent, and I have been treated like I did something criminally wrong. I do not appreciate it. I have no criminal history, and to be treated like this is utterly disgusting and unacceptable. I researched why an account would be closed in the manner it was without being provided any information, and I found that banks do this when they file a SAR report on a consumer. I do not understand why this would even be considered, given that the check was validated. I cant prove this was done, but I am livid that my character is being challenged in this way! I served my country for 10 years. The most I have ever done in my life was get a speeding ticket when I was XXXX XXXX XXXX, in the XXXX, driving home for the weekend. This is not right, and unhappy is an understatement!

Company response to consumer: Closed with monetary relief