Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I pay my monthly rent ( {$3600.00} ) with a check via mail -- the check is made out to the same company for the same dollar amount each month. Usually the check is cashed within the first week of the month, but this summer there was some delay with mail/depositing so some checks were cashed later in the month. I'd receive a " late notice '' via mail but by the time I received it the cash would have been checked and was no longer considered late. 

In XX/XX/XXXX, I renewed my lease and my rent increased to {$3800.00}. In XXXX, I spoke with my building management office about renewing the lease and they let me know that my last check ( XXXX ) was delayed in the mail but when it arrived they could see it was postmarked on time, therefore they weren't considering it late. When my XXXX check didn't post to my bank account within the first week of the month, I did not think anything of it because of prior delays. 

I spoke with the management office today ( XX/XX/XXXX ) because they mailed me a letter saying I had a late fee on my account, and I knew my checks had all been cashed since I last spoke to them ( so XXXX, XXXX & XXXX all showed as cashed on my Chase statement ). They said they never received it. After some back and forth I looked at the digital image of the check cashed on XX/XX/XXXX and saw that it was white-washed and someone had written their own name on the front of the check as the intended recipient. I wrote the check ( as I have every month since XX/XX/XXXX ) to my building management company, and they always use a stamp to endorse the back of the check. This check was tampered with and forged. The building management office told me to call my bank. 

When I spoke to my bank, they said it had been past the allotted time for me to report the fraud, and I " should have been more vigilant. '' The only information they were able to give me was that the fraudulent check was cashed at XXXX. My understanding is that XXXX would then be held responsible for reimbursement, as they cashed the fraudulent check. Chase would not open a claim and said the system was " built in a way that can not be overridden if it's been more than 65 days -- I reported it 7 days too late ). I was not asking Chase to reimburse me, I was asking them to document this as fraud so I could take a paper trail to the police. They told me I was out of luck and I should have looked to see who signed the check. Moving forward, I will do that, however, nothing seemed " off '' when I looked at my monthly transactions because it was a check cashed for the same amount I have paid every month for over a year. There were no flags. 

I then went to XXXX to get information on the account it was deposited into, so I could give the police everything as evidence. They told me they can't give me any information and that if I wanted info I would have to get the police to subpoena them. I can't get the police to do that because I can't get Chase to file a claim. 

I have never had this happen before and have been a loyal Chase client for years. I was notified of this transgression in my account today and reported it immediately. To be told I was " too late '' and " not vigilant '' is unacceptable. Neither Chase or XXXX is taking any accountability.

Company response to consumer: Closed with monetary relief