Consumer complaint received 2024-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
-check for {$4000.00} was written on XX/XX/XXXX to me from my uncle from my grandmothers estate as he is the administrator, This check was coming from XXXX XXXX -I deposited the check on XX/XX/XXXX into Chase. I have an existing checking account. I never had any accounts at XXXX. 
XXXX XXXX I got an email about fraud from Chase so I called at XXXX XXXX  that night to see what there is that I could do there was no resolution Other than being told that the check was deposited more than once. ( Which it wasnt ) XXXX XXXX called again spoke to the company about how to resolve this and was told the only way is XXXX verification through phone number and if that didnt work that he could recant the check through XXXX -Went in person multiple times to both XXXX and Chase to figure out why the check had problems and was told by both banks that the money had left the account at XXXX and I could no longer recant The check, the funds were now at Chase XXXX XXXX XXXX Uncle took all the steps to get XXXX verified as per chases request just for all my access to my accounts to be shut down the same week -On Saturday, XX/XX/XXXX, my local branch manager called XXXX fraud department at XXXX and was told that the money left and the funds should be released in a few days to XXXX XXXX XX/XX/XXXX, this was proven not to be true as my uncle and I went to XXXX to see if the funds arrived at XXXX to find they hadnt -I was told by Chase through calling the fraud line on the same day that my money would be held indefinitely if he cant be XXXX verified over the phone -This is all after the bank manager at XXXX verified with the XXXX fraud department that the check was only deposited and withdrawn once -On XX/XX/XXXX, a worker at the XXXX branch called fraud and was told that the money cant be released even though the number they called was verifiable, but no longer in service -uncle and I both offered to provide any documentation that can get him verified i.e. Social Security card, birth certificate, New York State, drivers license and employment documentation as well as paystubs and mail all of which were denied -uncle and I also offered to go in person to a chase headquarters branch where there could possibly have autonomy over the money and was also denied that -I asked for XXXX legal number and was denied that -Before this case got to the escalations department, I asked for that number and was denied, but finally worked my way up into that system -this XXXX verification seems like An unreasonable system that is a ploy to just have funds stuck in their accounts, so that consumers can no longer receive their funds. These verification systems in place do not allow the consumer to receive their funds due to the almost impossible means of getting verified. Although we live in the 21st-century there is plenty of people that do not have cell phones or home phones, and this way a verification just seems fraudulent.

Company response to consumer: Closed with explanation