Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I opened my business account in XX/XX/2025. I submitted all required docs ( XXXX XXXX  Certification, XXXX, license ), and verified my XXXX was affiliated with my name and active on the XXXX  website prior to opening the account. 
In person, I made a deposit of XXXX commission checks ( {$1000.00} & {$500.00} ) totaling {$1500.00}, made out to my XXXX. I endorsed both and was okay with the hold placed until funds cleared, and hadnt received my debit card yet any way ( so no rush ). Later that evening I received an email asking me to reach out regarding fraud on the account. I immediately called to discuss the matter. 
When I called, they stated they needed to confirm with the issuer of the check that they were intended to be paid to me. I immediately started questioning the legitimacy of their call, because my name and XXXX  show direct affiliation on the Secretary of State website. I provided them with the information requested, phone numbers for the title companies, and was told no one was answering the phone when they attempted to call. They also said that the numbers provided ( directly from the title companies websites and businsss cards ) werent registered and they would be unable to contact to confirm. I was upset and decided to call back after Ive calmed down. 
A few days later I called again, and was once again not helped. I gave them all the information requested ( again ), and was again told they couldnt confirm. 
I called back the following day and did this same routine with XXXX different people in XXXX day. Each time I was met with the excuse of not being able to get ahold of anyone at the title company, but I would end the call and confirm that it went through to the title companies every time I got off the phone. The last call handler implied that my funds werent earned, stolen, and that he couldnt verify that the payments were legitimate. He told me to go into a location where they would call him and go through the same steps. So I went to the local branch the following day. I let the teller at the counter know what was going on, and they then let me know that the account had been closed and that Id have to speak with the manager. I then met with someone and thought I was finally going to resolve the issue. 
The person I met with was very kind and was equally confused as to what was going on. I explained how theyre having issues confirming payment and my identity, and then provided the Secretary of State certification, IRS forms for my EIN , my license, my business card, and even had the check stubs from the payments in question. She verified that my name was assigned as the owner on the Secretary of State website, and then verified the phone numbers on the business cards from the closing companies matched the numbers Ive been providing. 
She called the department thats been questioning everything to verify whats needed to have funds released. He then questioned her judgement and how she verified that I am who I say I am, and asked for additional identification because my REAL ID Oklahoma License wasnt enough verification. I provided all of the cards in my wallet -debit, credit, XXXX, etc. After the overwhelming proof of my identity, the call handler then had the same excuse of not wanting to contact the title companies because the numbers werent registered in their system. They eventually did reach out to the numbers provided, and one of the title companies then called me to confirm that Chase Bank Fraud Dept wasnt a scam because of their behavior. After having everything confirmed, I was told that I had to wait 5-7 days to have my account reopened, and that I would have my funds released then. Ive waited the allotted time, and when I called I was told to call back the following day ( today ) to allow time to process. I called back today and was told to call back again tomorrow to have my account opened back up. When I pointed out that I was told today, they said to wait until XXXX this evening. When I asked to speak with the supervisor, I was met with do you want to open the account of cash out? I said Id like to go into the local branch and cash out, because I know theyve had the payments cleared with the issuing banks since XX/XX/2025 and this was ridiculous to not have access to my funds. She then informed me that it would be an additional 4-5 business days to have fund replenished if I chose to reopen the account, but 5-7 business days if they were to issue a check. I have not had any access to funds since having this account. I do not have online access to the account, or the funds that I deposited.

Company response to consumer: Closed with non-monetary relief