Consumer complaint received 2021-05-10
Company: JPMORGAN CHASE & CO.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I transferred {$1000.00} from my XXXX business account, as I have the past several months into my Chase personal account. I had more than {$1000.00} in my business account I requested the transfer from, which was initiated on XX/XX/2021 and didnt reflect in my personal checking account until XX/XX/2021. The funds showed to have cleared my external business account without any issues on XX/XX/2021. On XX/XX/2021, Chase initiates another transfer request from my external business account, although the {$1000.00} was already sitting in my personal checking account. This request gets a code back that states Insufficient Funds which would be correct, since the money had already been transferred out three days prior. On XX/XX/2021, the {$1000.00} is reversed from my personal checking account and the notice I received said it was due to insufficient funds. I started out by calling XXXX, which they were able to confirm this was all done by Chase. They also provided me a letter stating the funds cleared on XX/XX/2021. I called Chase next and spent the remainder of the day, until XXXX trying to get answers and my Money back into my account. I was absolutely furious with the call center in the XXXX, as it appears thats the only call center you get, even when you request a manager. I was left on hold three different times, all for 20-30 mins each. I was left on hold a few other times, where after several minutes, the music stopped and the line disconnected. I cant even tell you how many times this happened. I called 20+ times, talking to different reps, managers, supervisors, all mainly in the Philippines XXXX I finally spoke to a manager in XXXX, who was extremely professional, helpful and made sure I got taken care of. After he filed a claim for me and marked it urgent, I received a call from XXXX from the research department. XXXX had a power trip from the beginning. She took pride in informing me that they would not be issuing me provisional credit and it would take up to five days to complete the research. I pleaded with her and told her that was unacceptable and this was clearly Chases error, not mine. I told her I was traveling out of town this weekend and needed that money in my account. XXXX didnt really care and refused to let me speak with her manager, said her manager was for administrative things only. I asked at least 10+ times to speak with a manager and she refused, saying she was the final day and nobody would give me a different answer. By this point in the call, Im furious and its pushing XXXX, so I told her exactly what I thought about her and her attitude. I quoted this entire issue is a UDAAP, because its absolutely unfair, deceptive and abusive. The way Ive been treated is completely unacceptable and have never been treated this was by any financial institution. I told every rep I spoke with I would be filing a CFPB complaint if I didnt have my money by end of day. I even gave them Saturday to call me, but never heard a word.

Company response to consumer: Closed with explanation