Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a checking and a savings account with Chase bank under XXXX XXXX ending XXXX. 

I tried to deposit cash inside ATM in XXXX, TX. I had a total of {$11000.00} from selling furniture in my home. I was paid {$11000.00} cash and I tried to deposit into my account. I had all XXXX dollar bills and machine could only fit part of that. Machine then couldn't deposit and gave me an error message that is can not and need to call customer service. 

Walk up to teller crying immediately as I also check online app with Chase and showed NO deposit. She provided me with a number to call. In addition, counted what cash I had left from {$11000.00} and deposited right there with rep. The total amount of cash left in hand outside of {$1100.00} was {$4400.00}. I sat in lobby branch to call phone number. 

A claim had to be started since only {$6600.00} was left. A claim was started but couldn't deposit cash immediately. Cried and ask manager at the branch if they can not just pull machine and count, informed it CAN NOT be done. Informed the next day email and text, need to call. I called and informed account is closed XX/XX/XXXX. There was a temporary credit of {$6600.00}. In addition, another customer who purchased other furniture from me and paid via XXXX filed a fraudulent XXXX reversal of {$2000.00} on XX/XX/XXXX. It was fraud and somehow Chase was able to refund her back anyway. I was informed over the phone 3 times I can withdraw at the branch as I had a credit of {$1800.00}. I walk into branch XX/XX/XXXX or XX/XX/XXXX ( don't remember which day ) a phone call had to be made from the brach from teller at the bank. The person helping me at the location was informed I CAN NOT withdraw my funds. Left crying. 

I receive XXXX XXXX XXXXXXXX, that has always been deposited in my chase account, some amount, since XX/XX/XXXX. The XXXX treasury deposits my government funds every third Wednesday of every month, so this deposit was scheduled XX/XX/XXXX. It was for my XXXX kids of {$320.00} each so total of {$960.00}. 

Informed over the phone at the branch there will be a 2 day hold on social security deposit from US Treasury so it wont be posted until Friday XX/XX/XXXX. Called today ChaseXXXX, as funds did not show pending on app, as normal. Called and did a conference call with customer service and the claims department. 

Due to there being a claim, no funds will be able to be with-drawl including the XXXX XXXX XXXXXXXX paid by the US Treasury . Once claim is resolved, which that will be XX/XX/XXXX, then a check will be mailed to be XXXX business days after XX/XX/XXXX. 

This experience has been so horrible. Treated like I am a criminal, doing something illegal with MY money. Doctors appointment had to be rescheduled to another 30 days. I don't believe this is right. Especially when paid by US Treasury and any bank has the choice to hold it. I receive XXXX for my medical care. I have care through the marketplace and the moment and will quality XX/XX/XXXX for XXXX due to my XXXX. I believe this claim could have been expedited and have someone at the branch confirm I truly physically deposited {$6600.00} cash. This entire process has been extremely wrong and does't feel like we are in America anymore XXXX To hold someones XXXX is horrible. This individual is on XXXX for a reason. Since I only get paid once a month, I have to figure out how to manage life with a shorter amount of income for the month. This is wrong and any funds paid by the US government should never be held by a bank. My family has been informed just in case something happens to me and I pass away due to rescheduling my medical care. I have copays so I don't receive free health care, in addition I need pay for gas to even get to my appointments. This is not is the treatment any US citizens should receive while soldiers sacraifice their lives for the American freedom.

Company response to consumer: Closed with explanation