Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/year> per JPMorgan Chase Bank , N.A . advertisement of bonus, I went to the JPMorgan Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX per appointment and established a Chase Private Client account in addition to my already established checking and savings accounts XX/XX/year> about XXXX AM at JPMorgan Chase Bank , N.A . Branch located at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I deposited the paying bank check # xxxx for {$99000.00} and # xxxx for {$64000.00} for a total deposit of {$160000.00} with the teller. I endorsed the checks inside this branch. 

XX/XX/year> XXXXXXXX XXXX called the number on the back of my Chase debit card due to an email I received. The customer service agent informed me that there were no problems with my account. 

XX/XX/year> online showed the funds available which matched the available date on my deposit receipt XX/XX/year> I attempted an online transfer of some of the funds from the savings account to my established checking account. A message pop up notified me that one of the accounts was ineligible for this transfer. 

XX/XX/year> I called ( XXXX, XXXX, XXXX ) the Chase private client number, and the number on the back of the card and was directed to the fraud department. No one could explain why the funds were not available. 
The fraud department representative, who was nearly impossible to understand, told me to stop payment on the checks. This was impossible as the checks had already cleared. Per my request the issuer provided pdf documents of the cleared checks from the paying bank. 
The fraud department told me to go into a Chase branch and submit the death certificate and this would clear the funds XX/XX/year> I submitted the death certificate via email and in person at a Chase branch ( XXXX XXXX XXXX ). 

XX/XX/year> I received a paper notice from Chase Account XXXX that the account was closed. Cashier check # XXXX for {$1.00} and check # XXXX for {$0.00} were included. 

XX/XX/year> the Chase branch representative informed me that the fraud department requested the Certificate of Trust and then they would clear the funds. This was accepted by their legal review team and risk team on XX/XX/year> per the branch representative XX/XX/year> Chase fraud requested contact information in order to call the issuer of the check and verify that the trust did issue those funds to me. Chase fraud said none of the numbers can be verified to the the person that issued the checks. The person that issued the checks to me also has an established personal and business account with JP Morgan Chase Bank , N.A . 

XX/XX/year> I requested a list of requirements from the fraud department to clear the funds. The branch representative said this was requested but nothing was provided. 

XX/XX/year> The branch representative said Chase fraud department had cleared the checks and I needed to setup a new account for the funds to transfer to. Initially she said Chase would overnight the checks to me. I requested they electronically transfer them to my account to avoid a repeat of the issue. Within XXXX XXXX I emailed the branch representative the new account number for the Chase Private Client savings account setup in person at the Chase branch located at XXXX XXXX XXXX XXXX, XXXX  The funds were not sent. 

XX/XX/year> Chase fraud department informs the branch representative that they will not accept the issuer appear in person to verify that the checks were issued from him to me. 

XX/XX/year> Chase escalation team contact XXXX calls me in response to submission from Chase bank representative. He informs me a verified number is provided for the issuer the funds will be given to me. He suggests the issuer add this number to his Chase Bank personal and business account and to any supplier invoices issued to his business. 

XX/XX/year> Chase bank begins to charge me {$35.00} per month for the XXXX account balance being below {$100000.00} XX/XX/year> A pdf of an invoice issued to the his business account is sent to the Chase bank representative for the fraud department as proof that a U.S. number is linked to the business. Additional U.S. numbers have been provided and linked to his Chase accounts and invoices. 

XX/XX/year> the issuer flies to the U.S. to establish a XXXX phone and number with international calling since he lives as an XXXX in XXXX XXXX XXXX 

XX/XX/year> the T-Mobile number is emailed to the bank representative who communicates that number to the Chase Fraud department Weekly calls or emails continue to see if the Chase Fraud department has verified at least one phone number. 

Over XXXX XXXX emails and phone calls have been made to JPMorgan Chase bank and they continue to say not one of the phone numbers is verified.

Company response to consumer: Closed with monetary relief