Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a 3rd part deposit into my checking account on XX/XX/XXXX i and the endorser went into the bank to verify the check, I identified myself and so did the endorser, the bank requested additional id in which at the time was he presented a expired passport as additional form of Id, at this time they said a hold was placed on the check until XX/XX/XXXX and that we had 10 days from the funds hold removal to provide one more form of id we informed them we couldnt renew the passport in that time frame but the deadline was XX/XX/XXXX, i again went into the bank on XX/XX/XXXX to inquire about additional information because my accounts were now closed my savings, my childs, and my checking. The bank told me the accounts were closed and the check was being sent back to the original payee, I was told the account could be reopened with id or i would have to open a new one. I opened a new account and went into the bank to deposit a cashiers check I asked if I could make deposits into the new account and was there going to be any issues the teller said no and deposited the check, the next day the account was locked I made a call to customer service and was told the old account caused the new one to close and until that was resolved I couldnt access my funds in the new account, I was told because I did not meet the deadline the accounts were on hold, my issue is due to the false information and not being allowed the given time but mainly because of my race, I have had the account for over 10 years never a problem or security issues until I personally went into the bank, I believe the entire issue is discrimination, I found out that the checks had cleared and once it deposited into my account the bank withdrew it and placed a hold they never returned it like they claimed, and the money in the accounts when they closed was never returned. There was more than enough evidence to prove both our identity the endorser brought additional documents and the bank indicated it was his number not being valid, they were willing to confirm his identity by a phone number, but we came in person and the id he had was not suddenly efficient, the check cleared so there was no issue with validity everything I have done was suggested by the bank in which has been a hassle. My credit cards and accounts are all issued through chase I have always paid my accounts on time and because iam locked out I have only my credit cards to reply on for funds they are late because iam not allowed to make payments to them it is affecting my credit score and my bills, all my account are billed to this account and falling behind, my mother passed away and I cant even access the funds to pay for her arrangements. The bank never explained the terms or issues that would affect the new or old account or was I given the time as they stated the account was closed on the XXXX even the rep on the phone said it should have been 10 days from the first visit which would be XX/XX/XXXX, I went on XX/XX/XXXX and was told the account were closed and the check had been sent back and that a letter about the closure had been mailed.

Company response to consumer: Closed with monetary relief