Checking or savings account -- Managing an account -- Complaint #14676407
Complaint Overview
Complaint ID: 14676407
Company: Jpmorgan Chase & Co.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Cashing a check
State: Florida
ZIP Code: 339XX
Date Received: 2025-07-15T12:00:00-05:00
Date Sent to Company: 2025-07-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have encountered with Chase Bank concerning a check deposit from XXXX XXXX XXXX and the subsequent hold placed on my account. On XX/XX/year>, I deposited a refund check from XXXX XXXX XXXX, which was issued as a refund for a policy. The check became available on the on XX/XX/XXXX ; however, shortly after, my account was locked, and I was informed that the check was under review for fraud. I contacted XXXX customer service, where a representative informed me that in order to verify the check, I would need to provide a phone number for XXXX XXXX XXXX. After researching and providing the requested phone number, I was informed by XXXX that the number was incorrect. This was despite the fact that I had obtained the phone number from reliable sources. Further complications arose when I spoke to a supervisor. The supervisor indicated that the account would be locked for 10 days, after which the account would be closed for fraud if they could not verify the phone number for the payer. This information was extremely concerning, as I had done everything requested and was still unable to resolve the issue. To resolve this matter, I visited the XXXX XXXX, FL Chase branch on XX/XX/year>, where a branch banker attempted to assist me by providing additional phone numbers for XXXX XXXX XXXX. The banker also confirmed that XXXX XXXX XXXX is a subsidiary of XXXX XXXX. Despite this, the Chase representative over the phone refused to lift the hold on my account. Furthermore, the banker escalated the issue to a different associates, but both of them failed to understand the issue or make any progress toward a solution. This situation is deeply frustrating, as I have followed all instructions, provided necessary information, and acted in good faith. It seems as though there is a lack of communication and understanding on the part of Chase Bank, which has led to an unnecessary hold on my account and an unjustified threat of account closure for fraud. I respectfully request that the Financial Protection Bureau look into this matter and intervene to ensure that the issue is resolved promptly. I would appreciate any assistance in ensuring that my account is reinstated without further delay and that the improper hold is lifted.
Frequently Asked Questions
What is Complaint #14676407 about?
Complaint #14676407 was filed against Jpmorgan Chase & Co. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-07-15T12:00:00-05:00.
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.