Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On Saturday, XX/XX/year>, between XXXXXXXX XXXX, I deposited Check # XXXX for {$20000.00} into my JPMorgan Chase checking account via Chase 's mobile deposit feature. On Monday, XX/XX/year>, Chase placed a hold on the entire {$20000.00}. The reason Chase displayed on my account reads : " We have not yet collected the money from the paying bank. '' Hold expiration : XX/XX/year>. On the SAME day Monday, XX/XX/year> the paying bank, XXXX XXXX XXXXXXXX, debited the {$20000.00} from the payer 's account. I have XXXXXXXX XXXX transaction statement and the cleared check image to prove it. The money left XXXX XXXX days ago. Today is Monday, XX/XX/year>. Chase is still holding my money. The reason Chase shows on my account is factually false. XXXX released the funds XXXX days ago. Chase either already has the funds or they cleared through the Federal Reserve either way, Chase has no lawful basis to continue withholding them from me. This is a violation of Regulation CC ( 12 CFR 229.13 ). Chase is required to provide a truthful written hold notice with accurate reasoning. The reason Chase is showing me is provably wrong. I invoked the XXXX XXXX hardship provision by phone and was refused. I went in person to my local Chase branch for help and was greeted with " do you have an appointment? '' before anyone asked what I needed while staff socialized with each other. I was treated as an inconvenience. The harm : My bills are unpaid. My home security monitoring is unpaid. Vendor payments for my work has been disrupted. I have spent XXXX days being bounced between Chase and XXXX, each blaming the other. I am a mother of young children trying to manage life and my work while fighting a XXXX bank holding my own money on a false pretext. The hypocrisy : when my account runs {$20.00} short, Chase charges me {$34.00} in overdraft fees within hours. When Chase wrongfully holds {$20000.00} of MY money, Chase offers no interest, no urgency, no corrected notice, and no accountability. I have filed in parallel with the XXXX and the U.S. Department of the Treasury. I am asking the CFPB to investigate Chase 's practice of displaying false hold reasons and take appropriate enforcement action. immediate release of the full {$20000.00}. Statutory damages under the XXXX Funds Availability Act ( 12 USC 4010 ) up to {$8000.00} plus actual damages. Reimbursement of every fee, late charge, returned-payment fee, or penalty I have incurred or will incur from any creditor because of this hold. Interest on the {$20000.00} at Chase 's own prevailing overdraft penalty rate for every day the funds were wrongfully held. XXXX compensation of XXXX days of financial harm, distress, disruption to my work operations, and hours of wasted phone calls and branch visits. A written, corrected XXXX XXXX hold notice acknowledging the original reason displayed was inaccurate. Correction of any internal risk flag, XXXX notation, or credit reporting impact caused by this wrongful hold. also want the CFPB to know how Chase treated me when I went in person to my local branch seeking help resolving this wrongful hold. Despite being a customer in visible distress with a {$20000.00} issue, I was immediately asked " do you have an appointment? '' before anyone bothered to ask what I needed. Meanwhile, Chase staff were socially engaged with XXXX another and with other visitors laughing, chatting, comfortable clearly NOT too busy to help a walk-in. I was made to feel like an inconvenience, turned away at the door, and denied the in-person help every banking customer is entitled to. This is the same Chase that charges me a {$34.00} overdraft fee within hours when my account is {$20.00} short no appointment required for THAT. But when a customer walks in needing help because Chase is wrongfully holding {$20000.00} of her own money, suddenly there's a gatekeeping " appointment '' requirement and staff have more important social matters to attend to. The appointment-only walk-in policy for distressed customers, while staff are visibly available and unoccupied, is a deflection tactic not a service standard. It is designed to push customers away from in-person resolution and force them back into phone queues where they can be bounced indefinitely. It is exactly how Chase ensures complaints like mine never get resolved at the branch level. I am asking the CFPB to look at Chase 's branch service practices as part of this complaint. Branch address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FYI : account has joint name with myself ( XXXX XXXX ) & My husband XXXX XXXX

Company response to consumer: Closed with explanation