Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On the middle of XX/XX/XXXX, a check that was by an immigration Attorney in the amount of {$4100.00}, I deposited the check to my Chase account, a hold was place its normal practice no issues with that. Towards the end of XXXX funds were supposed to be released and instead the bank held the funds longer without providing me an explanation. Towards the end of XXXX, I received a letter from Chase stating that I wouldn't get the funds due to fraud alert and accusing me of causing theft and that the account will be closed out? I called the number in the letter that Chase provided, the representative at Chase stated that because my name on my checking account didn't match what was written on the check was an issue and the date written was also invalid it was written year XXXX vs XXXX, so what the representative stated was that the check would not be cashed. ( But Chase did cash the check I found out by reaching out to attorney and was told the funds were no longer in her account ). I headed to Chase XXXX to discuss this with branch associate or XXXX that could listen to me and advice how to fix it regardless of multiple calls I made to the fraud department, I was able to speak with a branch Associate that reached out the back office to help clear issue, it was brought to my attention that my second last name was not in my account, after research Chase noticed that my second last name was in my account and corrected their mistake and everyone apologized and that the funds were going to become available and my account would remain open. That same day in the evening I logged on to my app for Chase to check my account they had taken the funds and closed my account regardless of what was discussed at the branch. The following day I headed to branch and this time my sister joined me and spoke to another XXXX who also called back office to find out where the funds went and why account was closed contradicting what was told to me the previous day, my sister recorded the conversation the banker had with the back office and back office told the banker that the funds were going to be sent to me by cashier check and the account they closed they would re-open it, but it was going to be a process it would take couple of days and that they needed to add my full name including my second last name, they asked banker to take copies of my ID 's social security card etc. ( right here is how they lied, and manipulated account ). After couple of days the account was open, and there was not check in mail as they stated, I headed back to branch with my sister, and I explained to another banker the situation and that banker had known about my situation that she called back office again to get status of the cashier check that was told they were going to mail and was told that there was not check and had no idea where the funds went, I got upset and stated to the banker you prefer me to take Legal action against the bank and the banker yelled at me you are fraudulent/thieves and to get out while she stated that she shoved my ids and documents through the window which may I add that the stuff fell on the floor, the embarrassment I felt by what she stated out loud for other Chase customers and security to hear as well that also went towards my sister which she had nothing to do with my account but there to witness the treatment and what Chase employees did or how they handle the situation. The branch manager was sitting behind that banker that embarrassed us didn't say anything she got up when she heard her employee, this is XXXX towards my person and discrimination as I am XXXX. After that day that I been kicked out the branch, magically that evening the funds show up on my account {$4000.00}, that is because of a service fee that they had charge. This proves/shows to you that they manipulated the account they could have easily avoided me as a customer going back and forth to making the funds available right away. Once I got the funds, I submitted my complaint to XXXX which I discuss in full detail everything that happened and was told that yes, this case is acceptable and will be submitted for further review, I provided the recordings, emails, paperwork pictures of all the evidence I had. In XX/XX/XXXX there was a hearing with representative of XXXX ( mediator ) and a legal representative from Chase which at that point they were ready to make an offer of {$50.00} and went up to {$4500.00} ( this is more humiliation and discrimination on Chase part ) it was also unprofessional on XXXX 'S end to go back and forth during mediation calling and hanging up this was a phone call meeting vs in person. After not coming to agreement and that Chase didn't find an issue and XXXX didn't resolve it, I submitted to XXXX Department of Justice XXXX XXXX Colorado XXXX XXXX and no response. Then there was an email from Chase attorney that was in mediation who sent me an email directly that they would like to settle and willing to settle {$4500.00}. I responded and explained after almost a year of going back in forth and my time I invested and the humiliation, defamation, discrimination that was done to my person I find it fair to settle {$54000.00} offer was rejected.

Company response to consumer: Closed with explanation