Consumer complaint received 2025-01-14 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: LA

Complaint narrative:
I have been banking with Chase bank for almost XXXX  years now. In that time I have never deposited a bad check, not once. My pay checks normally range from $ XXXX {$1200.00}. 
I recently started a new job, thus ORIGINALLY I could understand why the first decent check ( {$1000.00} ) I deposited would have a temp hold. Deposited it on the XXXX and funds werent available til the following Monday ( XX/XX/XXXX ). No huge problem on that one. 

However, XXXX week later I deposit a check of {$900.00} on the XXXX of XX/XX/year>. Same company and even a lesser amount. They still put a hold til today ( XXXX of XXXX ). I look in my account this morning and the funds are not there ; matter of fact they extended the hold for XXXX more days. So I deposited my paycheck on the XXXX and now funds wont be available til the XXXX. 

Keep in mind Ive never written/deposited a bad check. Have had an account for 3 years with them. I have bills scheduled to come out of said account that now XXXX cant pay. A 12 day hold on a {$900.00} paycheck. You can literally look back XXXX week and see the same check issuer for a higher amount. 

I dont see how this can be legal. There is no reason that I shouldnt already have my money. 
This is absurd to say the least. I have XXXX children that depend on me, yet now I dont know if I can even afford gas for the next week. 

This is outrageous!!! I have already called chase bank and they told me they couldnt verify the funds. Even though I can clearly see where the funds enter my account from paying bank. Then they immediately uncredited funds. Thus theyve been paid my money yet still havent credited my account. 
Thats theft!! 

Please someone who has the authority to stop this ridiculous misuse of power and people 's money, ; please help me and everyone else who is getting screwed over by their own financial institution. 

Needless to say I will without a doubt be closing my Chase account. 
Ive had a few other issues with them as well but I didnt report them. 

Like when I won {$1000.00} from the Louisiana State Lottery and I deposited that check ; they held it for XXXX weeks. Whats crazy is the LA lotto banks with Chase. Thus, it was an in house transfer and shouldve been available same day. Yet I didnt receive funds for XXXX weeks or so. 
They gave me the same LIE then, they couldnt verify the funds. Are u kidding me.!?!? Look at the account. Its written from your bank!!! They also changed the date of said hold to yesterday. Even though theyve been holding it since Friday. Will attach pics to confirm. 

Chase has gotten ridiculous with how it treats its customers. They have really really put me in a bind on this one. Im beyond stressed and Im sure will have to pay late fees and other expenses courtesy of their lack of customer service and care. 
Please someone needs to address this. Before it continually happens to more and more people. Thank you for your time and please imagine how you would feel if it were you.

Company response to consumer: Closed with explanation