Checking or savings account -- Managing an account -- Complaint #7683342

Complaint Overview

Complaint ID: 7683342

Company: Jpmorgan Chase & Co.

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Sub-Issue: Deposits and withdrawals

State: New York

ZIP Code: 11238

Date Received: 2023-10-11T12:00:00-05:00

Date Sent to Company: 2023-10-11T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Hi my name is XXXX XXXX I'm having issues with chase customer services fraud unit about a third party check sign over to me by a family friend the check was deposited on AROUND XX/XX/XXXX i got a update the check will not clear until XXXX XXXX later on that day maybe about a day or two later they restricted my account so I called chase to find out why was the account place on hold they said the account was place on restriction . Because the person who name is on the check has to be verified through his phone number by them they ask for the number and explain the name and number have to match to the persons on the check and i complied they looked the number up they said and the number was listed under someone else name they said i explain the person on the check has had this number for a while and to my knowledge its under his name i ask is there any other way to verify him or do they need us to come and the bank do he need to get his phone records he explained no the only way is the way i inform you of and if you need time to verify call back .I called them a few more times after touching basis with the person they assure me its they number under they name and they will call the phone company to see whats the problem once updated i called chase back spoken to a supervisor with the same number asking does it check out she stated no it still does not i ask her is there any other way she said yes address i gave her the address of the person she said it checks out so she called the number given to her of the person she said there was no answer i can call back later and they will try to call him back i called back the same day and was told by another supervisor although the address checks out the number does not and i have to call back when the number verifys .i tried two more times after speaking to the person who check the name is in to be told that's still his number and it is on public records as such on XXXX XXXX the check cleared which i did not understand because i was told the check will not clear although stated on my account because it has to be verified first so i called them to ask this and to try to verify again or ask them to close out the transaction if there is no other way than verifying the number so i spoken to another rep who told me she was the supervisor than after 5 mins of conversation i was told she was not when i ask is there anyone i can speak to above the supervisor she said I'm getting you one now and she did i explain everything once again I also explained to the supervisor sometimes phone numbers if use by someone else before you have it it can be be hard to come out the last person name it can stay on the last person name on they public records until they request to the reporting agencies to take it down so is there any other way to verify this person being another supervisor use the address before I was told no he told me the number I'm given him is not the number he see on file i had to be adamant that this is the same number i been given chase the whole time he than said I'm go in and change it but again I was told the number don't to match the name of person i explain again this is the number i don't understand and what third party you guys uses he repeated we just need a working number to match the name so call back once we can verify the number and than we can lift the restriction so on XX/XX/XXXX I called them back after speaking to the person who checks in the name again and he inform me he called the telephone company again its not a problem on they behalf his name and address is and has been updated its On his public records as well he has had this number for over some time which is true so i called to speak to another supervisor to be yet again told by that supervisor the number is not checking out I told her I was confused are thet sure is there any way they can prove to me its not why let the check clear if they suspected anything why there is not another route i can take o dont want tk be snagged for fraud because chase can not verify a number I keep being told to call back and when I call back they treating me like a suspect i have other money in my account so of course I'm keep calling cause I can't even access so I'm trying to straighten this out and she started asking all types of questions about relations to the person etc so I ask is this part of the protocol thay will left the restrictions cause why all the questions when the check had to be cleared because it a legit check which is from ny state government check .and every time I ask os there another alternative I'm told no so why all the questions before i answer she said the supervisor look just call back when we can verify the number and hung up this is after being on hold for 20 mins switch over four times explaining every time a new rep answer whats the issue and this has been every time i called I'm on the phone over a hour with chase to get no where the supervisors but one I spoke to are very nasty and a hour after this phone conversation with her my account went into negative staus along with the money I had in my account already.. now according to some blogs I've read customers from all over been having this problem with chase and verifying numbers it's nothing new to chase , so why treat someone who is a customer as a criminal chase is aware that every credit reporting agencies are not all updated to current information some are still back dated or out dated with numbers and old information and sometimes it can take even Years for the agencies to remove and update new information i know they have a job to do I'm understanding to that but they need to be understanding to the fact that whatever third party verification they may be using may not have a software that updates new information it happens any time I spoken to someone at chase I'm told call back when the number can be verify with no explanation of how I suppose to know that other than keep trying to call them back because the number not going to change thats given to them its just when I call back I feel so defeated everytime because I'm telling my truth but if calling back making me suspicious to chase why keep telling me to call back with no further instructions this never have happened to me so i would not know what to do but what they tell me and I know for a fact the information I'm given is accurate on my behalf .. i dont want my account being closed and reported as fraud because chase feels a number not matching to a name when there is so many legit resons why it could not be verifying through them and for one is the third party agency they using to verify numbers has a software they uses and that reporting agency verifys number through the white and the old white pages i was told every reporting agencies report different things on people. While some have more up to date and accurate information others agencies may not while some even some collect information faster than others or have more information about a person's than another reporting agency they all different but the same Ps This is very overwhelming and depressing where living in times where everything is becoming difficult and folks are doing what they can to work hard and live right and things like this can be push back on someone mind set in this day and age where so many people is suffering from depressing and ending they lives abruptly and this has been very depressing it cost nothing to treat someone with respect and resolve especially when your getting paid to assist

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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