Consumer complaint received 2023-10-05
Company: JPMORGAN CHASE & CO.
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase Bank is deliberately causing my bank account to be overdrafted despite not having overdraft on my account, they have also continued to violate the federal law and it has become now what i believe to be malicious. Here is a list of Issues I have had since opening my account.

1. They do not post real time transactions yet wait days to post transactions in whatever order will cause an overdraft 2. They transfer money from my account that seems to go nowhere, and without my permission 3. They will lie stating that transactions never posted yet clearly my records and statements prove otherwise 4. They refuse to investigate valid claims for transactions I dispute causing my account to become overdrafted 5. They have doubled payments sent by XXXX then debited my account days later stating tech diffuicultys and then posting transactions during such time I had money but causing my account to overdraft once the money is removed without my knowledge 6. I have proof that they doubled a XXXX  payment that was only sent one time, my friend who sent the money also banks with chase and has never had this issue before not once until XXXX of XXXX 7. They have doubled ATM transactions that never happened 8. They have approved ATM withdrawals despite having no Overdraft protection and no money in my account 9. They have delayed making bill and credit card payments waiting to post them for over a week which were not debited the moment I made the transaction so they were returned unpaid despite that I had the money to pay them. 
10. They have reversed posted payments to my credit card company one week after the transaction 11. I have lost all of my credit cards due to these reversals and now my credit score is completely destroyed. 
12. I have to pay double ATM fees at non Chase Atms which is about XXXX per transaction which includes balance inquiries. 
13. I had to pay ATM fees at non chase bank ATMs despite not having a Chase ATM location in my Town at all until a year after I opened my account. 
14. SInce XXXX of last year I have incurred XXXX dollars in Atm Fees and half of those are posted after by chase for a non ATM transaction. 
15. I had fraud which caused me to lose nearly XXXX dollars. Chase only helped me barely recover XXXX, they refused to go back further to help reimburse me for their clear mistakes. 
16. After XXXX dollars in ACH reversals due to fraud that chase helped me recover, I was then put into collections by the ACH clearinghouse due to non-payment of these transactions. 
17. I received a 1099 in XXXX sent to my son 's minor chase first account. 
The 1099 was in my name and said I was paid XXXX in interest. I have called and inquired more than once about this 1099 that I have no clue what it is for and why it was sent to my son. Not one person has helped me find the answer, I still have no clue what it is for. But it was reported to the IRS and I had to claim it on my taxes despite not knowing what it was for. 
18. I have reached out to chase via messages, and phone calls more times than I can count to get help with all of these issues, I have even gone to the local branch. I have had no resolution. 
I have no overdraft on my account, I have no interest bearing accounts to my knowledge, 20.I am XXXX with XXXX XXXX XXXX and reached out for help due to this because of so many issues with my transactions, chase ignored my request for help through the American with disabilities Act, and still have never acknowledged my requests for assistance. 

Below is a list of evidence i have in my possession to prove these issues They include Links of screen recordings taken at the time of the overdraft or account transfers 1099 issued to my sons account that I have no clue where or what it is from or why it was even put on his account and not mine Side by side account transactions from different dates proving they were changed by the bank Bank statements that do not match the account transactions Messages to and from me and chase Proof of Disputed transactions not resolved from a year ago in my account despite it just recently being reopened without my knowledge

Company response to consumer: Closed with explanation