Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I took a job and mobile deposited a check, shortly after I found out the company was a scam. I went immediately to the bank the next day ( XX/XX/year> ) and took the check with me and said " The job was a scam, I mobile deposited this check yesterday and I need it stopped. '' I took the check with incase they needed it for some reason. I was then informed I would be fine, just make sure there were no unexpected withdraws to my account. The very next day ( XX/XX/year> ) I received emails, text messages, and app push notifications telling me my accounts are restricted. I went into the bank that monday ( XX/XX/year> ) to figure out why my account was blocked. I was asked if I tried to deposit the check twice, I did not. This lead me to believe the teller did not listen to what I said and tried to deposit the check again, thus freezing my accounts. I was then told everything should be fixed the next day. It was not, went back in because I had initiated transfers from other existing accounts before they were locked and my money was stuck in frozen accounts ( that are not supposed to allow money to deposit or withdraw ). The reversed these transfers after being in office ( XX/XX/year> ) for at least an hour, and was told the money will be returned by the next morning. ( XX/XX/year> ) only XXXX of the transfers was returned and my other {$600.00} transfer was apparently none existent so I had to go back into the bank and they had to call to figure out where my money was. I was in their office everyday for a full week because I kept being told " It will be fixed tomorrow. '' Which was a lie. Finally, I went in again and they said they can not unrestrict my accounts and they are force closing them. I asked how I was getting my money from them and got told " oh, let me go ask. '' Keep in mind the fake check was deposited into my personal checking and they restricted that account and my joint account that had nothing to do with it, but kept my savings unrestricted. After they figured out how I was going to get my money ( XX/XX/year> ) I was told the account balances, so both accounts, would be electronically transferred to my savings. The next morning only my personal checking was transferred and the joint account balance was no where to be found ( {$250.00} ). Went back into the bank, and was told " Oh it was mailed, call this number and they can tell you where it is or if they mailed it yet. '' They told me it would be XXXX business days because my balance was not over {$5000.00}. I gave them XXXX weeks and had still not received the check. Called the phone number and the automated person asks for account information, I do not have this because they closed my accounts and I could not bypass this to speak with a representative. I went back to the bank ( XX/XX/year> ) and requested to speak to the XXXX, she gave me the phone number to the department that was supposed to be handling my check and the account number. She also informed us they XXXX be able to cancel the check and direct deposit it into the other owners account because it was active. I called this phone number spoke with the representative and they could not tell me what address the check was sent to. I gave him both of the address that we opened the account with. ( THESE WERE THE ONLY ADDRESSES EVER CONNECTED TO OUR ACCOUNT and they have mailed statements and other documents to the correct address, but can't mail the check to the right one? ) He told me " No, none of those show up. '' I said " So who did you mail my check to? '' he responded " We can not see what address it was mailed to. '' The other owner called immediately after and had them cancel the check and direct deposit it into their account that was active. They were told it should be deposited into their account by XX/XX/year> a week later. Fast forward XX/XX/year> comes around and the money is not there. The other owner called back ( XX/XX/year> ) and was told " Oh we have not be able to process it yet, but the request to direct deposit it was accepted and the money should be there in the next 2 days. '' The money was not there. They called back XX/XX/year> and was told the request was denied because the account was in XXXX different people 's names, even though they were just told it was accepted, and they offered to re-mail the check. The other owner asked what address and whose name it was going to be under. The address they were told has NEVER been on either XXXX of our profiles and was NEVER listed as XXXX of our mailing addresses, yet they were mailing the check there. I then called shortly after and immediately asked for a XXXX ( XX/XX/year> ). After being on and off hold for XXXX minutes I was told they cancelled the check that was going to the incorrect address from XX/XX/year>, requested a new check in my name and set the address to my address. I was then told she was going to put an order to have it expedited and I should have it in XXXX business days. I also was told I could call back on Tuesday ( XX/XX/year> ) and get the tracking number and check number because it takes XXXX business days to cut the check. I called Tuesday morning ( XX/XX/year> ) and asked for the tracking information and was told the check was not yet cut but the name and address was confirmed correct. I then called ( XX/XX/year> ) for the tracking information and the representative who was looking at my account acted like they did not even see a request for a check at all. I was then put on hold and asked again " well what address is it supposed to be going to? '' After explaining the situation from the previous XXXX phone calls I had made, I was told " I can not see notations on the account and the check has not been cut. It takes XXXX business days to cut the check. '' I asked " So will it be cut today? '' XXXX " No. '' ( XX/XX/year> ) was XXXX business days. I asked if I could speak to someone from the Back Office to see why I can not get my money, and was told no they can not contact directly. I asked to be transferred to someone who could contact them directly and was told " We have no way of contacting them. '' However when I spoke to the XXXX on XX/XX/year> she had put me on hold and said she was on the phone with the back office. I will have to call back again XX/XX/year> to most likely get told my check is not ready. I have been trying to get my {$250.00} for XXXX months because THEY force closed my accounts, but for some reason can not give me MY money. This is Chase Bank. Please do not bank here.

Company response to consumer: Closed with non-monetary relief