Complaint Review: JP Morgan Chase Bank - Phoenix Arizona

First of all if the Service Manager had not told me that the check had cleared I would not have written a check on the account and would have waited. Yes, I knew the person and he will get his one day when Karma gets him but you I suppose are not educated enough to read what I have written. The bank advised me that the check had cleared and then I wrote the check and I waited two days before I did so for that reason. I also accepted some responsibility but the bank should also since it was the staff at the bank that advised me that the check had cleared and I could use the funds. You need to quit being sarcastic and look at your own self and have some understanding to the situation. Have a nice life and learn to be a human being. 

I know that I am also responsible

- That statement is all that is needed to show why your complaint against the bank is misdirected.

Since the employee is a supervisor she should not have advised me that the check had not cleared the bank but that I needed to wait another day and I would not have written any checks.

- I figure you mean she shouldn't have advised you that the check cleared. But if this is what you got out of it you still don't get it.

Again depending on the bank it still may not have been cleared the next day, it could take up to a week.  But even if it did clear, the other bank can still reverse it if the account holder reported fraud.  This still makes you responsible...even weeks later.

I know that I am also responsible and I have filed a charge against the person that wrote the check however, the bank employee should not have advised me that the check cleared the bank and I would not have written any funds from that check and I did try to stop the check but was advised it was to late and you need to read exactly what I have stated. Since the employee is a supervisor she should not have advised me that the check had not cleared the bank but that I needed to wait another day and I would not have written any checks.

Your theory that the bank or bank employee is liable for the bad check is absolutely ludicrous. YOU deposited the check and therefore YOU are required to accept responsibility for the loss. Now it’s between you and the person that wrote the check. Changing banks won’t help because that’s the way it is at every bank on the planet.

You are 100% responsible for anything that happens with your account.  Where based on how you wrote this report it appears you had doubts that the check was good, which tells us that you probably got a check from someone you don't know asking you to cash it and send them a certain amount of money back(probably through Western Union or Gift Cards).

Banks are under FEDERAL regulations (Regulation CC AKA the Expedited Funds Availaibility Act) to make funds available on the check at certain times(as early as the next day). Regardless of if the check has actually "cleared" or not.  However, even then the other bank could "clear" the check, only to have that account holder review their account and report a fraudlent check.  At which time that bank then reverses the funds.  Depending on the situation this could happen as much as 30-60 days after the initial check was cleared. If the check actually did clear, this is most likely what happened to you.

Under normal circumstances you would contact the person who sent you the check and they would be legally required to "make good" on the check. However, if it is infact a scam situation that will never happen. I just hope your "friend" was an actual friend and not someone you were told to send the money to once you cashed the check.

By the way if this now put you into a situation where you are overdrawn you are required to pay the negatiave balance, where if you don't they will most likely close your account and put you into ChexSystems making it next to impossible for you to open up an account at a regular bank for a long time.

Also, don't expect any other bank to have treated you differently. In fact if it is was a fraudlent check, other banks may have actually decided to close your account and possibly prosecute you for check fraud just because you deposited the check. So if you learn ANYTHING from this experience it is to make sure before you deposit or give anyone access to your account you are very sure you know who they are.