Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  at the ATM at the Chase branch at XXXX XXXX  XXXX XXXX, XXXX, NY XXXX I signed and deposited a check. I received a receipt from the ATM for the correct amount that showed the front of the check. Later in the day I received a secure communication from Chase, as follows : SentXXXX XXXX, XXXX XXXX XXXX  FromChase Online Banking SubjectATM Deposit Correction on XX/XX/XXXX Dear Customer, We've corrected an error to a check in your recent ATM deposit. This is why we made the correction : Endorsement is not valid Check number XXXX Amount of deposited check XXXX XXXX XXXX Correction to check amount $ XXXX XXXX Correction type ( debit or credit ) DEBIT A debit subtracts money from your account ; a credit adds money to your account. Your account ending in XXXX will reflect the correction Here is more information about your ATM deposit : Deposit date XX/XX/XXXX Deposit amount {$5000.00} ATM ID XXXX Sequence number XXXX Your card number XXXX 
You'll receive a separate message about any other deposit corrections. We'll also send you a letter about this correction and a legal copy of the check, if applicable. 

This is a notification only and there will be no further action required from you. You will receive mail that would have additional information regarding the next steps. 
If you have questions, please call XXXX ( XXXX ). 

Sincerely, Chase Online XXXX When I received the message I called Chase and was told that they would not have any information as to why the check was not credited for 24 hours. I called the next day and was told that they still had no information but that I would receive a legal copy of the check within 7 to 10 business days. As this would cause my account to have numerous overdrafts and make it unable to purchase groceries and medication for my XXXX wife and son, I asked to have the issue escalated. I was switched to the fraud department who said they were able to look at an image of the back of the check and confirmed that my signature was present. They indicated that perhaps the fact that I wrote " For deposit only '' under the signature ( in the correct place ) might have caused the ATM to reject the check, but restated that there was nothing they could do other than send a copy of the check back to me within 7 to 10 business days.

When I asked to speak to a supervisor, the supervisor told me that there was no one in the entire Chase system who could oerride the ATM 's decision and I would have to wait 7 to 10 days before I could get the check to redeposit. When I explained that I had already been told that the signature was correct, the supervisor still insisted there was nothing that could be done and I should call all those companies that were receiving automatic payments from my account and tell them the situation, but there was nothing anyone at Chase could do.

I went to the branch, explained the issue and asked them to pull the check from the ATM. They said they don't do that anymore and the ATMs are handled by a 3rd party. Name not given.

So now I am facing the prospects of bouncing payments, trying to borrow money for groceries, unable to purchase medication, and generally unable to function because the ATM did not like my signature and no one at Chase was willing to verify it. It seems rediculous that the bank forces you to wait 7 to 10 business days to receive a legal copy of the check, even if they know that the ATM made a mistake. Maybe a day or 2 and a XXXX envelope but 7 to 10 days? 
Great customer service and a lack of empathy for their customers.

Company response to consumer: Closed with explanation