Consumer complaint received 2025-11-13 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: NH

Complaint narrative:
Hi, my name is XXXX XXXX, I had an account at Chase Bank in XXXX XXXX. My girlfriend and I lived together and split the cost of everything to run the house. My girlfriend and I had a flood in the basement in XXXX of XXXX. The XXXX from XXXX  XXXX came out and evaluated the damaged things that got ruined. While we waited to hear from the insurance company, my girlfriend XXXX passed away in her sleep. XXXX days later the XXXX called to speak to XXXX, I told them that she passed away. The total loss was {$10000.00}, but with the depreciation of the items the final sum was {$7600.00}. Now, even though the policy was in XXXXXXXX XXXX name, I paid for half the policy each month. {$4200.00} of the {$7600.00} is the amount of things I lost, and {$3400.00} is the amount of things XXXX lost. They sent me a check made out as, XXXX to the estate of XXXX XXXX. Now, I am not a banker and know nothing about different banking accounts. I went into the bank to a live teller and handed the check to the teller. Now, I have just a regular checking account. The teller took the check and deposited into my checking account. The next day Chase bank called me and said my account is closed and they are not going to cash the check. They told me I deposited an estate check into my account. I told them that I did this with a live teller, and if that was the case why didn't the teller give me the check back and explain this to me? They had no answer. I then called XXXX  XXXX XXXX XXXX and told them what happened. They told me they would send another check voided " pay to the estate of '', and destroy the check when the bank mails it back to me. I then called Chase Bank back and asked them to send the check back to me. I was told that they cashed the check after being told they would not cash it. So, the funds I am talking about is held in suspense as cash. XXXX XXXX XXXX XXXXXXXX XXXX is the executor of the estate. The bank told me the way they can release the funds is for XXXX XXXX to be there with the paperwork for XXXX, and I need to be there as well since it's my checking account, XXXX was my checking account. For over XXXX years I have been begging XXXX XXXX to go to the bank with me to collect the funds. At that time, I would take the {$4200.00} which is rightfully mine, and XXXX XXXX would take the {$3400.00} which was XXXXXXXX XXXX loss that we had. He intentionally will not speak to me, return texts, emails, phone calls. He has XXXX children, I said to him, XXXX, if you don't want the money, start a savings account for your children, or take the money and give to your favorite charity. Still no answer. He has abandoned this money. Seeing that we split the cost of everything, XXXX and I, when she passed in her sleep my bills doubled overnight. I could really use this money, that XXXX XXXX has no interest in whatsoever. XXXX XXXX called me after his XXXX died and was crying on the phone thanking me for all the things I did with his XXXX that she would have never had a chance to do. She had XXXX XXXX XXXX and thank me for saving his XXXXXXXX XXXX XXXX  XXXX. I cared for his XXXX and loved her with all my XXXX. Why he is doing this to me is beyond words. I think XXXX years and XXXX months is long enough to wait for funds that are due to me. And to think this is all because XXXX XXXX teller made a mistake by depositing that check in my account rather than just giving it back to me and to explain why I couldn't deposit this check in my account. XXXX  again, the money held in suspense is in cash and not a check. XXXX XXXX has forfeited these funds with his actions. Please, any help in having Chase Bank release these funds would be a XXXX send. Thank you so much for your time. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation