Consumer complaint received 2022-10-11
Company: JPMORGAN CHASE & CO.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I am writing to dispute the following activities that Chase has done to me and my husband joint checking account that was supposed to be closed around XX/XX/2022. 
On XXXX or XXXX XXXX, my husband called Chase to ask to close our joint checking account IMMEDIATELY since it was flagged for fraud. Before it was closed, the balance was negative- {$1800.00} due to a fake check bounced. ( We have filed this claim as well and the police has filed a report. ) On XX/XX/2022, I went to check the account online but it was invisible or disappeared that made us unable to check any activities and transactions on the account. 
On XX/XX/2022, our property manager found out that she accidentally sent XXXX payment of {$2500.00} to the supposed-to-be closed account on XX/XX/2022 and it looked it had been accepted. I called Chase the same day, XX/XX/2022, immediately and the customer service team told the payment has been accepted and founded on XX/XX/2022. Then, Chase offset the negative balance and fees, total of {$1900.00}, issued a check for the remaining {$650.00} and mailed it to our mailing address. XXXX did all these activities without our authorizations while we were not even aware of any. We have moved to another states by the time the account was closed. Expecting no activities on the account, there was no urgent reason to report Chase to change our mailing address. Now, we still not have received the check as of XX/XX/2022. Per the Chase customer service representative, the account was closed on XX/XX/2022. While the whole things happening from XX/XX/2022 to XX/XX/2022, we did not have any way to access or check the transactions, nor even thought the account was still open. 
On XX/XX/2022, I called Chase customer service and fraud department to request for an unauthorized ACH form to reverse the ACH payment. After over 3 hour and 30 minute on the phone, XXXX from the fraud department : XXXX gave me a branch number to call to ask for the form. I also asked him to make a note of what I explained all as above while I was on the phone with him because every time when I was transferred to a different department or talked a different representative they had me explain the story from the beginning to the end. 
On XX/XX/2022, I called Chase in XXXX XXXX CA branch : XXXX. The manager explained that the unauthorized ACH form is only available for a business account therefore I should call to the fraud department again. That would be just wasting time to start over talking about what happened to the fraud department again. 
I dispute all Chase has done : - Remaining our account open until XX/XX/2022 that was supposed to be closed IMMEDIATELY after my husbands call on XXXX or XX/XX/2022,- And accepting the ACH payment without our authorization ( we have called Chase and reported the account was flagged for fraud! ) - Using that ACH payment of {$2500.00} to offset the negative balance of our supposed-to-be closed personal checking account without our authorization. 
- Drawing a check of {$650.00} as a remaining of the offset and mailing it without our authorization.

Company response to consumer: Closed with explanation