Consumer complaint received 2022-12-28
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:
On XXXX XXXX I called Chase about several transactions not authorized. I was transfer to the claims department. The representative did not speak XXXX well. I proceeded with explaining that transactions starting from XXXX XXXX til XXXX XXXX for luckyland online casino where duplicate charges and also done with a digital wallet as I was billed in XXXX different debit cards transactions. The representative proceeded by starting a claim and that there where a lot of transactions that she would not be able to give me a total but that I would see a credit. And I told her a run down of the transactions. I also advise that I have never had a digital wallet.After receiving temporary credit I checked my account and saw that they had not credit the higher amounts of the transactions so I once again called on XX/XX/XXXX XXXX and told the representative that alot of the transactions were not included I was then told that they are still checking the claim and that I would still receive more credit. I never got any additional credits. But did receive letters notification that transactions where made in error and the credit will be permanently. I once again called chase on XXXX XXXX and told them that multiple higher amount transactions were not credited and I needed them to be included on the claim. The representative proceeded by saying that she was going to include all older transactions since a claim had been started even though they were pass the XXXX days allowed by Chase. I advise her that I needed credit for the month of XXXX only and to please add all the transactions that were for XXXX and XXXX as I was not credited for all of them. Again I was told I would receive credit. The credit provided was for the wrong time frame. Again i continued to receive letters stating the charges were in error and the credit was finalized and that it would not be reversed. On XXXX XXXX Chase did not homor payments made to my mortgage provider, my car and auto insurance payments. Even though there were funds available. They proceeded by closing my account permanently and they reversed all the credits given to me. I called Chase multiple times and the explanation given was because I had filled the claim pass the XXXX days the credits were removed. I explained to the representative that the information she was giving me was incorrect as all the transactions reversed where in fact for XXXX and I had called right away so there XXXX day rule did not factor the response given. Then my call got disconnected I called XXXX more times and the call is disconnected. I am now negative on Chase after being XXXX positive owe to me that I was told I was going to receive a check in XXXX days. Instead now shows I owe Chase XXXX dls as the account is in negative status. They closed my account and banned me from Chase rather then returning all the unauthorized charges. So they wont have to deal with me. Im requesting all the unauthorized transactions for XXXX that I received letters stating there werent valid to be reversed to my account and the money returned to me which is a total of XXXX dls and my direct deposit from my employer also returned to me which is XXXX dls. I never requested transactions from any other time frame to be unauthorized I only claimed for XXXX and they denied my claim and the reason was because I had a previous claim which is not true.

Company response to consumer: Closed with explanation