Consumer complaint received 2019-10-23
Company: JPMORGAN CHASE & CO.
State: FL
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 or about XXXX, XXXX, I filed a dispute with Chase for a payment made to XXXX XXXX XXXX in the amount of {$53.00}. A conditional credit in that same amount was added to the account on or about XX/XX/XXXX. 

In filing the dispute, i advised the Chase representative that the amount referenced above was not authorized, nor has it ever been authorized as evidenced by the Agreement executed on or about XXXX, XXXX. In fact, the initial payment amounts were set up on my XXXX XXXX XXXX XXXX card, which showed the Annual Fee being reimbursed to the account after same was erroneously charged off. 

On or about XX/XX/XXXX in reviewing my online banking, i again noticed the amount of {$53.00} had been reversed, after which I spoke to a Chase Representative in the XXXX who advised that the amount was reversed because the " behind the scenes investigative team '' did not see where i canceled the contract. It is strange how the " investigative team '' came up with this response in that at no time did a I Chase Representative or its affiliate reach out to me to try to obtain a copy of the Contract and/or any other information regarding this dispute. However, arbitrarily, without a complete investigation just closed out the dispute and reversed with the charge.

In being transferred to a U.S. Representative ( which i requested ), i spoke with XXXX, an alleged Escalation Supervisor, who BTW could use some training in customer service as she is very rude and spoke to me in tone as though Chase is doing me a favor by allowing my funds to remain in their Bank. Her behavior is UNACCEPTABLE in that she is the reason i filed a previous complaint this year regarding misappropriated funds due to the manner in which she spoke to me and never returned my telephone call. In any event, continuing on, upon speaking with XXXX, she tried to allege that the reversal occurred because the matter in dispute was a " billing issue '' and not a fraudulent charge. I advised that it is not a billing dispute, but rather a matter of Chase once again issuing funds that WERE NOT AUTHORIZED. 

As stated above, earlier this year this same instance occurred with Chase involving my checking account in that i wrote a check for {$25.00} to XXXX Hospital, only for Chase to post the amount for {$250.00}. Clearly {$25.00} was written in numeric form, as well as spelled out on the front of the check. In order to recoup these funds, which took in excess of 30 days, due to XXXX 's rudeness and unwillingness to resolve the matter amicably, i had to file a consumer dispute complaint in order to resolve that issue as well. So here we are again, this same Chase representative and another filing. 

It is my opinion and belief that Chase would be better served by its customers placing " XXXX '' in an area where she does not interact with Chase Customers and/or provide her with additional training. As a Chase customer in excess of 15 years, i am seriously considering banking elsewhere due to XXXX 's rude behavior and Chases ' repeated actions, of lately, of misappropriating funds. 

I am requesting Chase credit my account the {$53.00} and conduct a thorough investigation, with someone in the U.S. who has access to my email and telephone number and for who can contact me if they have any questions. I DID NOT, nor have i ever authorized XXXX XXXX XXXX to take an annual fee from my checking account. Inf fact, i have the records from my XXXX XXXX XXXX credit card where this amount was credited back to my Charge account, which is further proof that this charge was NOT authorized.

Company response to consumer: Closed with monetary relief