Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding a check deposit that resulted in my bank account being closed and {$4500.00} in funds being frozen after the issuing bank had already honored the check. Parties involved - Depositing bank : Chase Bank - Issuer : XXXX XXXX XXXX - Check number : XXXX - Amount : {$4500.00} - Check date : XX/XX/XXXX - Payee : XXXX XXXX XXXX Background In XX/XX/XXXX, I deposited check # XXXX in the amount of {$4500.00} at Chase Bank. The check was issued by XXXX XXXX XXXX as payment for services rendered. Shortly after the deposit, Chase flagged the check as suspicious. Chase subsequently froze the funds associated with the deposit and ultimately closed the bank account into which the check had been deposited. Confirmation from the issuer After the issue arose, I contacted XXXX XXXX XXXX. The company informed me that the check had already cleared their bank account on XX/XX/XXXX, meaning their bank had honored the payment and the funds had been debited from their account. Despite this confirmation, Chase continued to refuse release of the funds. Communications with Chase I contacted Chase multiple times by phone and through customer service channels to attempt to resolve the issue. Chase informed me that the check appeared suspicious because it was handwritten and they believed that checks issued by XXXX XXXX XXXX are normally pre-printed. Chase stated that because of this concern they considered the item potentially invalid. The funds from the deposit remain frozen and my account was closed. I escalated the issue internally within Chase, including opening a case with Chases Executive Office escalation team, but the matter remains unresolved. Branch visit On multiple occasions up to and including XX/XX/XXXX, I visited a Chase branch in person and spoke with bank representatives regarding the issue. During that visit I was told that : - Chase considers the check invalid or suspicious. - The issuing company would need to file a report through their bank to attempt to recover the funds. - Chase would not release the funds to me. Current status As of the date of this complaint : - The issuing company states the check cleared their bank account. - Chase has frozen the funds indefinitely and closed my account. - I have not received the {$4500.00} payment for services rendered. This situation has left me without my legal payment despite the issuers bank having already honored the check. Requested resolution I respectfully request that Chase Bank : XXXX. Clarify the current location and status of the {$4500.00} in funds associated with check # XXXX. XXXX. Either release the funds to me or return the funds through the proper clearing process so that the issuing company may reissue payment. XXXX. Provide documentation explaining the basis for holding or rejecting the deposited check after the issuing bank had already cleared it. Thank you for reviewing this complaint and assisting in resolving this matter.

Company response to consumer: Closed with monetary relief