ComplaintsforJD Bank

• Initial Complaint

  05/25/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  On 5/19/23 I Received a payment from ***** insurance in the amount of 28,500. ***** offers an option to be paid through debit card direct deposit. I attempted to make the deposit but was denied by JD Bank. The denial was due to the dollar amount. I called the local Moss Bluff branch and asked them to remove the limit. They said they were able to remove the block and give them 30 minutes and to try again. I waited a hour and made a second attempt. Again I was denied by JD bank. I called the Moss Bluff branch again and said the limit was still in place or something else was causing it to be denied. The branch personnel said she was going to look into the issue and return my call. While waiting on the return call I contacted ***** and they informed me too many attempts were made and that they automatically sent a paper check. ***** then said they could cancel the initial check and let me attempt to retry the direct deposit. After the second attempt was denied a second paper check was issued. Once I received a call back from JD bank I was informed the check was too high of an amount to direct deposit through the system. Once the checks arrived i deposited the incorrect check ( one that was cancelled) once I realized it was the incorrect check I immediately contacted JD and corrected the issue and gave them the correct check. I was then informed they are putting a 7 day hold on the funds and refuse to work with me on releasing even a partial amount. The situation would of been resolved had the branch personnel or given me the incorrect information about the direct deposit limits causing the system at ***** to start sending paper checks. I understand the concern but the fact they are unwilling to help is bad business and needs to be addressed.

  

  Business response

  05/30/2023

  To Whom It May Concern:

  After researching Mr. ********* complaint, it seems there was confusion by the branch staff concerning the deposit being made through the customer's debit card due to the large amount. There is a limit due to potential fraud situations. After several attempts by the company it was blocked. The insurance company then issued a paper check, due to the large amount a seven day hold was placed on the deposit, which is normal procedure for a large check that can not be verified. We will try to ensure that a situation like this does not occur in the future in relation to a deposit being made through a debit card. As of May 30, 2023 the hold has been relaeased and the funds are available to the customer. Mr. ******* has been contacted by phone (a voicemail was left informing him of the release of funds) and a followup email was sent as well. 

  Sincerely,

  ****** *********

  EVP Chief Retail Banking Officer

  Customer response

  05/30/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** *******

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