Checking or savings account -- Managing an account -- Complaint #18141718
Complaint Overview
Complaint ID: 18141718
Company: Jpmorgan Chase & Co.
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Florida
ZIP Code: 34221
Date Received: 2025-12-03T12:00:00-05:00
Date Sent to Company: 2025-12-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The check in question was deposited XX/XX/year> and has been placed on hold until XX/XX/year>, despite multiple confirmations from chase regarding its legitimacy and receipt of funds. Specifically : XXXX representative verified the legitimacy of the check. Another representative confirmed that JPMorgan Chase Bank received the funds from XXXX XXXX XXXX. Despite these confirmations, the entire amount continues to be held, including the {$270.00} that federal law requires to be made available no later than the next business day. According to Regulation CC ( 12 CFR Part 229 ) the federal law governing funds availabilitybanks must make the first {$270.00} ( formerly {$220.00} ; updated regulation ) of a check deposit available on the next business day, with limited exceptions. Chases own publicly stated funds-availability policy also aligns with XXXX XXXX and typically ensures that a portion of deposited funds is released promptly unless a valid, documented exception hold applies.
Frequently Asked Questions
What is Complaint #18141718 about?
Complaint #18141718 was filed against Jpmorgan Chase & Co. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-12-03T12:00:00-05:00.
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.