Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX, I went to CHASE bank located on XXXX XXXX XXXX XXXX NY XXXX. I made a deposit of {$900.00} at the middle ATM machine ( there was no visible serial number on that machine ). After the machine received my deposit, an error message popped up stating Para asegurarse de que su depsito se realiz, por favor, llmenos al XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. ( Translation : To make sure your deposit went through ; please call us at XXXX. We will print this number on your receipt. However, I did not receive a receipt at this time. As per message on machine I called CHASE however, the CLAIMS Department was closed at that time and I was advise to call the next morning XX/XX/XXXX On XX/XX/XXXX, I contacted J.P MORGAN CHASE claims Department at XXXX to file a claim. At that time, I provided the information asked by the representative and I was credited {$900.00} that same day. 
On XX/XX/XXXX, I was shocked to see an overdraft of {$710.00}. That was when I called CHASE bank to inquire. A representative informed me that my claim had been declined. As CHASE branch location only reported that till was only over by {$180.00} after all the money was accounted for therefore, CHASE only accredited me {$180.00}. I was extremely upset and my call was transferred to a supervisor. I explained my situation and inquired if they could check the camera as it was clear proof that I had made a {$900.00} deposit. However, the supervisor was unable to find a solution and I was encouraged to follow-up with the branch manager. I asked if a letter could be mailed in reference to this conversation and claim denial. Supervisor agreed that letter would be mailed. 
On the morning of XX/XX/XXXX, I visited CHASE bank located on XXXX XXXX XXXX XXXX NY XXXX. Where both branch managers informed me that I should follow-up with CHASE XXXX. I proceeded to contact CHASE where they opened a reassurance claim. I was informed that I could follow-up with CHASE claims XXXX XXXX business days. 
On XX/XX/XXXX, I contacted CHASE and a representative informed me that my reassurance claim was denied. I asked if they had checked the cameras and they informed me that they would need subpoena to check cameras. XXXX, XXXX informed me that there is nothing else they could do in regards to my {$900.00} claim. I asked to file a complaint. XXXX XXXX was typing and said, Okay, thank you and enjoy the rest of your day and rudely hung up without providing any sort of confirmation/Reference number or asking if I had any other questions. 
On XXXX I reached out to the XXXX of the Comptroller of the Currency in hopes of finding an honest resolution. I am a hardworking individual who would never do such an unjust act. I am not only filing this compliant for me but for others who have probably experience the same situation but are unaware of how to get to the proper channels. Please assist me with this much-needed claim. I thank you in advance. 
XXXX called XXXX XXXX XXXX informed they had closed my case and mailed me on letter that was mailed on XX/XX/XXXX XXXX Received letter referring me to CFPB. 
I am a hardworking individual who would never do such an unjust act. I am not only filing this compliant for me but for others who have probably experience the same situation but are unaware of how to get to the proper channels. I am only asking for a proper thorough investigation where someone can check the cameras at CHASE bank located on XXXX XXXX XXXX XXXX NY XXXX where they can clearly see me depositing {$900.00}. Please assist me with this much-needed claim. I thank you in advance.

Company response to consumer: Closed with monetary relief