Consumer complaint received 2025-08-26 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: LA

Complaint narrative:
On Friday, XX/XX/year>, I visited the Chase Bank branch on XXXX XXXX in XXXX XXXX, LA, to cash a Chase-issued check ( $ XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I informed the Teller that I wanted to cash my retirement check, and thus, use these funds to purchase two ( 2 ) distinct cashier 's checks ( $ XXXX ), and if possible, request Chase to transfer the remaining funds to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking account, as I did not want to possess such a large quantity of money for safety reasons. Additionally, I informed the teller that I had previously attempted to mobile deposit the check with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, but XXXX rejected it for exceeding the $ XXXX limit. The teller stated that they could not cash it, and she directed me to her branch manager. The branch manager utilized three ( 3 ) distinct reasons as to why she could not cash my check. These reasons included : ( 1 ) their scanner would pick-up the mobile deposit statement I previously wrote on the back of the check when I first attempted to mobile deposit it XXXX XXXX XXXX XXXX ) XXXX  has a limit on the amount Chase Bank can cash for non-account holders ; and ( 3 ) even if I would not have written on the back of the check, she ( the branch manager ) could not have cashed it, as they did not have those funds available. I exited and called XXXX to inform them about this matter. XXXX stated that there was no such limit on cashing checks. 

Later that day, I was offered another manufactured reason : " XXXX had a hold on the check. '' At each junction, I provided documentation to refute their hyperbolic, deflective claims. Lastly, upon explaining my dire financial situation, the XXXX Chase branch manager suggested sarcastically that I " ask a family member to drive me to XXXX XXXX for XXXX 'day trip ' to deposit the check at XXXX XXXX. XXXX His statement was beyond rude and condescending. He informed me that the check could not be negotiated and that I must obtain a new check from XXXX. I was assured that the XXXX XXXX  or XXXX XXXX branches would cash the new check. 

On Monday, XX/XX/year>, I received the new check from XXXX. Subsequently, I was informed that no CHASE branch would cash my check. This was unbelievable. After enduring that horrible situation on Friday and waiting the entire weekend, I was once again denied service. When I called the XXXX branch today, I was told that the branch manager is on vacation, and then, the phone was disconnected abruptly. 

These Chase Bank branch managers failed to deploy due diligence to resolve this matter. The fact that they conveniently manufactured reasons to justify their refusal of service constitutes fraudulent activity. Without interruption, these retirement funds were deducted from my monthly salary for over 20 years. 

I have been marginalized and discriminated against in the worst possible fashion. It is unfathomable that to access my retirement funds at Chase Bank, I would be subjected to such unprofessionalism and lackluster customer service. This situation has inflicted upon me and my family much stress, as well as other health-related issues. 

JPMorgan CHASE Board of Directors, stockholders, executives, and administrators should investigate these fraudulent practices at the referenced branches, ensuring all visitors are respected and receive the best customer service. This systemic racism, bias, and discrimination must end!!!

Company response to consumer: Closed with explanation