Consumer complaint received 2018-09-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/XXXX I got bailed out. The bonds agent never got an sign and copy of th agreement bc I kept getting forced out of th site after the first half so I told the bonds company and they told me that the agreement can only be filled out via online or in person by going to downtown XXXX. I told them I could not do it they could mail me out a written agreement to fill out and they explained that online is the only way of filling out the agreement. Yes there is a signature and initials but that is bc at the beginning of the application it makes you input a signature and initials so even tho my signature is on it by default, the XXXX XXXX XXXX representative informed me that the agreement is incomplete ( and since its not completed that I would not get a copy of the agreement unless I filled out the agreement completely. 
In my defense, its not my job to get a completed agreement before the trial is over. My case was seen and has been over since XX/XX/XXXX. Therefore the bail is revoked and no longer in good standing since I dont have to report to court. 

Since they failed to get a complete agreement and failed to collect before my case was over, there is and was no agreement of any sort except for that first initial payment bc I did not get a copy of the partial agreement so therefore since I have wasnt able to fill it out completely and my signature is on it XXXX XXXX XXXX most likely added the financial aspect in the agreement but unfortunately since I never received a copy they could have inserted any number to any duration since the agreement comes per-signed and initialed. 

Since obviously its there wasnt an agreement to take out transactions from my account automatically every month due to the fact the original charge was in XX/XX/XXXX and there was no charge on my account for XX/XX/XXXX and XX/XX/XXXX and then in XX/XX/XXXX they informed me that I needed to make a payment but I told them that I already closed the case and therefore wasnt help respondsible since I have no more court apprearance and NOT TO CHARGE MY ACCOUNT BC I DO NOT HAVE THE FUNDS IN IT. She agreed and told me to contact them when I was ready to make the payment and I agreed. But due to the fact I did not have the funds still the next day I didnt not contact them and they proceeded to charge my card for {$300000.00} and another {$100.00} to make a total of {$500.00} that I neve authroized nor are there signed recipes nor did I get a bill or invoice so this is not a billing issue like chase keeps telling me since I didnt receive a bill and there was no signed agreement so XXXX XXXX XXXX I BELIEVE COMMITED FRAUD AND CHARGED MY CARD UNLAWFULLY FOR A TOTAL OF {$500.00}. And without a completely filled out with agreement and not charging my card consecutively every month ; there is as no automatic payment agreement. And for chase to approve the charge supposedly after they investigated it. What kind of investigation work involves no physical proof is in the signature on the receipt or the completely filled out agreement with my acknowledgment of the agreement. 
Because according to Chase his policies they are only allowed to approve transactions that were signed by the client or transactions that were processed through the individuals private pin number or if they had a signed agreement of a automatic payment to occur I asked Chase for all and any of those three to see how they approved the transaction and they could not develop anything of that sort. Because there was none. Therefore I also THINK THAT CHASE IS FRAUDULENTLY KNOWINGLY APPROVING THE CHARGES TO XXXX XXXX XXXX WITHOUT ANY PHYSICAL PROOF OF ANY AUTHORIZATION THAT WAS GIVEN TO XXXX. 

I informed chase that they were wrong and i wanted to see the receipt and then They turn around and tell me that it is a billing issue so therefore I myself have to deal with it with the merchant but unfortunately to their efforts this is not a building issue because I did not receive a bill nor an invoice so this is not a billing issue. And a chase representative that I talk to also told me this is not a billing issue it is a fraudulent transaction issue since there was a fraudulent transaction that was occurred without my authorization. 
And due to both companies and competency and non-diligence Chase took it upon themselves to cancel my checking account and report me to their fraud department as if I was trying to commit fraud by saying that they were committing fraud when I was told by the representative that it was a fraudulent transaction and therefore I filed it as of Friday due to the fact the representative told me to so I was doing as Chase told me and yet I got punished for doing so and for them allowing The bill bonds to unlawfully take my money and not do any real investigation to it otherwise they would see there is no agreement because I dont even have a copy they told me that I need to fill out the agreement if I wanted a copy and theres no signature to a receipt and I know I wasnt there to put in a pin so how was that a authorized transaction. The bill bonds to unlawfully take my money and not do any real investigation to it otherwise they would see there is no agreement because I dont even have a copy they told me that I need to fill out the agreement if I wanted a copy and theres no signature to a receipt and I know I wasnt there to put in a pin so how was that a authorized transaction????

Company response to consumer: Closed with monetary relief