Checking or savings account -- Managing an account -- Complaint #6610107

Complaint Overview

Complaint ID: 6610107

Company: Jpmorgan Chase & Co.

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Sub-Issue: Deposits and withdrawals

State: California

ZIP Code: 94607

Date Received: 2023-02-23T12:00:00-05:00

Date Sent to Company: 2023-02-23T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I was encouraged to open an account in XXXX in order to cash a payroll check from my employer who uses Chase. My previous check from the same employer resulted in harassment by XXXX branch staff, who refused to cash it, even after making me get the check reissued- ( the employer had to come to the branch and just simply withdraw cash to resolve the impass ). I told the account-opening banker that I was surprised when the check wasnt made available in my new account, and asked him to call issuer, since he was standing-by for verification call, but took his insistence it would be made available the next day. Three days later ( XXXX? ) I was inconvenienced to learn that my travel plans would be impacted by the unavailability of the payroll funds, which seemed like an arbitrary decision by Chase, since my employer & i were now both using Chase. ( Chase has done this to me about 4 yeats in the past, with a two-week hold on a verified check. ) Supervisor was unavailable at that branch, so i went to the next closest, XXXX XXXX, and demanded to file complaint with Supervisor. Despite not yelling or using profanity, the banker, XXXX XXXX, seemed offended by me, so i explained why my frustration is high, given the prior context of Chases seemingly arbitrary methodology of withholding clearly-available funds, and stalling transaction holds that are not experienced by the subject at large, & that i visited that branch bc the other lacked a supervisor to document my complaint ; Chase, which enjoys unquestioned uncompetitive market-share in XXXX, seeks to force consumers to accept an opaque and arbitrary policy on transaction holds, since XXXX XXXX provided me with a printed policy that was incorrect for my complaint ( XXXX supplied document is in my records & available upon request ), I assume Chase is not prepared to be transparent in how it conducts business capriciously depending on the member. Since this instance, ( where the arbitrary hold on my payroll check affected my holiday travel ), theres been another unrelated hold of funds by Chase, which is why my XXXX rent was submitted late, which could violate my rent-controlled lease, causing me unintentional financial damages. There was no security trigger that would cause ATM to deny funds ( see photo attached ) other than my jerky motions, and stepping away, at the ATM, bc i needed to XXXX, which may have triggered a computerized red flag suggesting a fraudulent withdrawal, all if which i had to explain to my landlord, who already has obtained permits to develop my building, and seeks our eviction to do so. i make these statements under penalty of perjury under the laws of the State of California, in XXXX, CA on XX/XX/23 Signed ; XXXX XXXX

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