JPMorgan Chase Bank, National Association Corporate

Complaint ID: 7303476

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Company: JPMORGAN CHASE & CO.

Complaint: On XX/XX/2023. Errors by Chase Bank resulted in duplicated XXXX Transactions to overdraw my account. A transaction was wrongly processed for {$2300.00}. As a result my account went negative. The bank confirmed this error was on their part. Because my account was overdrawn, I had no access to any of my funds in the account. It took 24 hours for the bank to reverse the transaction and return funds to my account. I communicated my dissatisfaction to the bank both while on the phone the day of the issue and via direct message on XXXX. No compensation for this improper removal of my funds was provided. There was little concern about the issue in the responses I got back from Chase. I don't understand how the bank can take my funds from my account without permission and not be held accountable or not have to provide compensation for this mistake.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7303426

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Problem using a debit or ATM card

Company: JPMORGAN CHASE & CO.

Complaint: Upon receiving and reconciling my bank statement for Chase, I found that there had been an unauthorized deduction from by account in the amount of {$1000.00}. The description stated " XX/XX/2023 XXXX payment to XXXX XXXX XXXX XXXX debit - {$1000.00} '' I do not have a XXXX account, I have never used or authorized a XXXX account and I have no idea who XXXX XXXX is. I notified Chase bank of the fraud on XX/XX/XXXX. On XX/XX/XXXX they notified me that they were giving me temporary credit and returned the funds to my account. On XX/XX/XXXX they provided the following : Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. As a result, we are removing {$1000.00} from your account on or after XX/XX/2023. If the account the claim is related to is no longer open with Chase, and you don't have an open account with Chase for us to debit, we may request you to repay the credit ( s ). Contact us if you would like to request the information we used for our research I contacted them immediately, on XX/XX/XXXX and again reiterated that the transaction was unauthorized, as I do not have a XXXX account, I have never authorized a XXXX account, I have never used XXXX on this account or any other account. After an extend discussion an my persistence, I was referred to the " XXXX XXXX ''. They opened up a case, assigned a case # and told me someone would be in touch and I did not need to take any other action or calls. On the following Monday, XX/XX/XXXX I received a call from the assigned representative. She indicated that it would be reviewed and I would be notified. I did not hear back from anyone and on Friday, XX/XX/XXXX Chase deducted the {$1000.00} from my account. I called the XXXX XXXX and had to leave a message. I did not hear hear back. so on Monday, XX/XX/XXXX I called again and had to leave another message. I did not hear back so I called again today XX/XX/XXXX and left another message. Then I hung up and called back, this time I did not dial the extension number but waited to talk to someone. That individual got me in touch with the assigned rep who told me that the claim had been reviewed and denied and there was nothing else Chase could do. I expressed my frustration with them and asked what I need to do next. That said I would have to take it up with someone outside of Chase. I asked who. To which she responded she didn't know. I asked her what government entity regulated them. To which she responded she didn't know. I asked for someone that did know. To which she again she replied no one there knew or could help me. This transaction is obviously fraud. How can a bank that is entrusted with my money just allow {$1000.00} to be taken out of my account. Not provide me any proof or evidence of it validity? Many times during my conversations I asked what government regulatory branch I could contact or complain to. I was never given this information. I found it by googling and researching it on my own. Is the bank not required to provide this information? I need to get my funds back and I would like the Chase Bank to be held accountable. They should not be allowed to treat people this way.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7303400

Product: Money transfer, virtual currency, or money service

Sub-Product: Mobile or digital wallet

Issue: Fraud or scam

Subissue:

Company: JPMORGAN CHASE & CO.

Complaint: On XX/XX/XXXX a customer sent me a check for services, under the email of XXXX This was the first time I ever dealt with e checks, so I deposited following the steps provided by my bank. I immediately noticed, after depositing, that the amount was wrong and more then what they said I would get. & eventually started spamming me that they needed the refund asap. I also noticed that the name on the check was different then thier name. Originally contacted through XXXX under the name of XXXX XXXX the deal was I would help them program a XXXX XXXX for {$300.00}. ( They deleted the XXXX account they had already ). They sent me a check for {$500.00} instead. Under XXXX XXXXXXXX XXXX located in Texas. I have copied of the checks and the original email still. The phone number they used to communicate with me was : ( XXXX ) XXXX I still have all interactions saved from here. So I told them I'd refund them in a few days once the bank cleared the check just in case it bounces, to protect myself and they were saying that e-check are instant and work differently then checks. I XXXX this and found this statement to be untrue but I told them I would call my bank and explain the situation and would only refund them if the bank gives me the ok. So later in the day I called Chase bank while XXXX was at my day job, I explained to the operator very clearly that I never worked with e checks before, and feel that I received a fake check and was afraid this would bounce. & that if I refunded the customer I would be out of money. Prior to calling I XXXX that sending checks out and asking for refunds was a common scam, and saw the following red flags, which I clearly conveyed to the chase employee : 1 ) The name they contacted me with was different then the check and also different then the XXXX account they wanted me to refund. 2 ) They were trying to get me to refund asap 3 ) the fact that they sent the wrong check to me in the first place was also a huge red flag. I voiced all these concerns and stated multiple times that i believed I was getting scammed and needed help. After some time on hold she said that the she checked and the check was OK and promised me it wouldnt bounce and she would transfer me just in case to report fraud. So after the phone call I refunded the customer for XXXX using XXXX : XXXX payment to XXXX transaction number XXXX has been approved for {$500.00} I don't know what else I could have done at this point? I called my bank and clearly explained the situation and all the red flags I had. They said the check was cleared and wouldn't bounce. I hear this from my bank and I think I have to refund the money at this point. It's not my money, the bank said it's OK, who am I to argue?

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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