Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
appeared in-person at the Chase Bank XXXX XXXX XXXX, AR, on XX/XX/XXXX, and deposited a XXXX XXXX Check XXXX I'd received in the mail the day before ( the check was a lump sum back payment for my XXXX XXXX XXXX ). I was told by the Chase Bank employee who processed my deposit that there would likely be a hold on my funds due to the amount of the deposit, but because it was a XXXX XXXX  Check, she didn't expect a hold more than 3 business days ( despite the XX/XX/XXXX hold date that printed out on my deposit confirmation slip ). She then wrote on the back of my deposit slip a phone number I could call the next morning to request a deposit-hold release, or a partial deposit-hold release. The following day, XX/XX/XXXX, at XXXX pm, I called the number I was given and followed the prompts. I was then connected with a Chase employee from the " XXXX XXXX Department, '' who, after taking a look at my account, told me I wasn't eligible to request an earlier deposit-release date from the XX/XX/XXXX date printed on my deposit slip ; however, because it was a XXXX XXXX Check XXXX I'd deposited, it would only be XXXX hours before the funds showed up in my account anyway -- but, because XX/XX/XXXX was Veteran 's Day, my funds weren't likely to reflect in my account until Tuesday, XX/XX/XXXX. 
On XX/XX/XXXX, after not seeing my funds show up in my account more than XXXX hours later, I called the same number, followed the prompts, and was connected with another Chase employee in the " XXXX Department. '' After explaining everything, I was then transferred to another Chase department that could 'better assist me. ' Let me say, the department itself may be more assistive in general, but the Chase rep I got was anything but. As I tried to, again, explain the issue, he didn't allow me to finish a sentence before snarkly advising me of : XXXX. Chase Bank 's no-limit-on-the-amount-of-days-to-hold-a-deposit until they ( Chase Bank ) are actually funded the amount by the check payor ; 2. From the info he was looking at, they hadn't yet been funded by the payor ; and XXXX. It was going to be the XXXX before my deposit would be released, period. 
It was actually the XXXX before my funds showed up as 'available ' in my account, but they did. However, when I attempted to use my debit card in-person or online, I got either " transaction denied '' or " unable to process transaction at this time. '' Because I desperately needed money, and because my debit card has seen much better days and likely needed to be replaced, I drove up to the Chase Bank branch in XXXX on XX/XX/XXXX, and was able to make an in-person, cash withdrawal of XXXX XXXXXXXX with no issue, and was also told that my debit card " should work just fine now '' after they'd checked it. And it did for most of the remainder of that day -- at XXXX, at the gas pump, and at my son 's school for overdue yearbook payment ; but, within XXXX minutes of arriving back home that night after a very long day, an XXXX notification popped up on my phone saying my account was overdrawn -- not only overdrawn for the cash withdrawal & debit card purchases I'd made that day, but also overdrawn for the entire amount of the deposit I'd made on XXXX. When I got home and logged into my account online, the deposit was nowhere to be found. It had disappeared totally ( as opposed to it being there as a " pending deposit, not yet available '' the entire time from XXXX. 
So I called Chase, again, that night, and was told that my account had been " XXXX XXXX for use/pending closure '' since XX/XX/XXXX due to suspected fraud and required further security verification before any decision could be made to reinstate it, and that it was required that I take the original award letter I'd received from the Social Security XXXX Administration ; a XXXX XXXX XXXX XXXX Check I'd received -- and already deposited ; a Check Verification from the XXXX website, and XXXX more forms of identification ( Did I mention being an established Chase customer for more than a XXXX? ). When I asked this rep how it was possible that I made a cash withdrawal and several debit card transactions that day if my account had been restricted on the XXXX, it was almost insinuated that I was committing fraud. So, the very next day, I made the XXXX XXXX hour trip, again, to the branch XXXX XXXX, where they made copies of all the documents required and presented ; told me to go ahead and 'open a new checking account ' online, and that because the documentation I brought in was in order, it could be expected to see my deposit 're-deposited ' into the new account within XXXX business days. Right. Did I mention I'm XXXX and have been the whole XXXX XXXX years it took XXXX SSA to agree with me. Also, the way 'it works ' is the very day the SSA XXXX it's XXXX Approval, any and all temporary benefits cease -- even despite the fact that the first XXXX check won't be issued for another 45 days, but that's because a check for any backpay is issued immediately to the XXXX beneficiary in the interim -- or the " gap '' between losing Benefit A and receiving Benefit B. Can I also mention that I missed having a very necessary and very needed XXXX because of " the gap '' my family and I are still in because of this mess ( when I made the deposit on the XXXX, my doctors 'made time ' for me to have this XXXX on XXXX XXXX, but no gas money, no co-pay, no pre-surgical meds, and phone calls & drives to Chase Bank XXXX in the way. Can I mention, lastly, that food pantries wish they could help, but they just can't accept new applications for food 2 days before XXXX.

Company response to consumer: Closed with non-monetary relief