Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Well I recently deposited check for {$5.00}, XXXX no XXXX that I got from my uncle XXXX XXXX who endorsed his XXXX XXXX cashier 's check from his old closed account they sent him from an old car loan he had thru them. to me for a graduation present and for XXXX for me to get a new car he endorsed it to me he signed it over to me in the back of the check I could possible to my bank account with XXXX and they put on hold for 14 days and then after that the 14 days were up they said they hold was lifted and then they closed my checking account I then asked them like why or what you know I had to be done and they said that they need to verify that my uncle made the check to me and that they're going to call him on a number that they had verified through their system but come to find out they're the number that they have in the system is wrong and because of the fact that they were able to call him with the number that's in their system then they were just going to hold the money and close my account and just pretty much just hold my money which is so not right I've been patient with them and but it's not right how they can just take someone's money hold it an account and just because you know what I mean they want to the XXXX XXXX the check that it came from that from my uncle 's Bank pretty much cleared the check so it don't cash there's nothing wrong with it and I just I'm just kind of like disappointed because I just opened it chasing a check cashing account and have savings account with them now and also took it for me and every time I call they just don't care did you say they have to verify it with Uncle I was like well I can't because you guys just have a wrong number for him it's so frustrating but it's been so long I mean it's just been going on since but XX/XX/XXXX XXXX and I just don't understand I mean I mean there are funds were were on hold and they got placed off hold I mean they checked they cash a check as soon as it was cashed you know they just take over it it's just not right and you need to give me my money I'm sick of them so not right and I know there's all kinds of people cuz that's how I found out about this place people are out in the same problem with the stupid thing I mean it is their policy for them to take endorse checks I mean exactly like they don't but then they do if they didn't want to then they shouldn't take the money and cash it and keep it it's it's not right and I want my money and I want it soon and I'm tired of them running around saying all the script they're just making excuses they said they endorsements on there they can't see my signature and it clearly is they're just holding it on and it's making up excuses it's just crazy I mean if my uncle didn't want me to have money you would inside the XXXX check and give me it you mean and then ask if you can if they can get the check back or send it back and I said no not until we verify it I was like dude you guys you guys are just holding the money it's not cool. My checking account was new and I only sent it from Mobile or mobile online usage and now I don't know my account number now but I got it through my debit card that they gave me and then every time I call them now they said I have a savings account open but that's it and I go what happened to my checking account and they said oh I got closed or something for something and blah blah and like it doesn't exist so I don't even know what the account number is cuz they closed it it's crazy though because I had like an overdraft and they sure as heck took the money to cover that and then they just said they're just going to keep it until I don't know until they can verify through a number that they have and I was like where your system 's wrong it's that's an old number and I told them I told you guys want to talk to them they said no but I'm going to leave my debit card number with you guys so when you do get a hold of them they're going to say that the account doesn't exist and that I don't have a checking account but I clearly did and I opened it and I deposited the banking of the bank check I mean the check at the bank they held it for 14 days and what's been way longer that and I just need my money man it's crazy how they can just hold it and it got cash XXXX XXXX 's did send them verified it through them it was sent and we just I mean it's not right for them just to hold it it's it's like robbery so I'm going to leave my checking when my debit card number and when you did get a hold of them they're going to say that I don't have a checking account with him which I don't because they closed it along with that {$5000.00} that they're holding it's it's insane and it's a problem because I looked online and there's so so many people that have to deal with this XXXX. I mean if they didn't it mean if they didn't take endorse checks they should have cashed it you know it's crazy but they do obviously and they cashed it and they're keeping it and then you give me my money I'm so fed up with him it's not a good way to do business they say it's over protection they protection for you guys to keep it doesn't make any sense it cashed it cleared decided signatures there's mine is too they said they can't see the the signature mine and his are both on there and is endorsed to me from him! ust make it up a bunch of XXXX

Company response to consumer: Closed with explanation