Checking or savings account -- Managing an account -- Complaint #13101854
Complaint Overview
Complaint ID: 13101854
Company: Jpmorgan Chase & Co.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Tennessee
ZIP Code: 37343
Date Received: 2025-04-21T12:00:00-05:00
Date Sent to Company: 2025-04-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, the XXXX XXXX XXXX issued a check to me from the XXXX XXXX XXXX XXXX for my XXXX tax return. I deposited the check at a local Chase bank branch and immediately my account was frozen and placed under investigation for fraud. I have called the Chase deposit review department several times and each time I have called I have received a different explanation as to why my account is restricted and how the check is to be verified. Most notably I was told this past Saturday it is a verbal process, then told today it's an electronic process, then told again when I called the Fraud department it is a verbal process again. I tried calling the check fraud department with an IRS agent conferenced in and I was told that they could not validate the check on a XXXX way call but only on a call that was initiated by them. They also told me that the IRS is no longer accepting calls for verification however I was easily able to reach an IRS agent myself who can verify the check. He also offered to send the Chase agent a tax transcript to show proof of the disbursement but was told that would be of no help. I am currently faced with financial hardship because of this inability to access my own funds that were disbursed as a legitimate check from the IRS, and the explanations and lead times given to me seem questionable at best. I also called the XXXX XXXX XXXX XXXX and asked if the check can be canceled and changed to a direct deposit, and was told that the check is already showing as cashed in their system. It seems to be also that Chase has immoral and unethical business practices, as they cash a check internally in their system, so that you can not get it back, but then do not release your funds. If the check needed to be verified, it should not have been processed as cashed at all, especially when I did not actually cash the check but was forced to deposit only per their regulations.
Frequently Asked Questions
What is Complaint #13101854 about?
Complaint #13101854 was filed against Jpmorgan Chase & Co. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-04-21T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.