Consumer complaint received 2022-01-01
Company: JPMORGAN CHASE & CO.
State: TX
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:
To whom it may concern, I am XXXX and recieve XXXX checks monthly. I used to work and the money would also go into this account. However, I have have not been working lately due to covid. But now, all money going into my account is my XXXX check. Before covid, I was driving for XXXX. Through XXXX, I rented a car to drive from XXXX car rental. Since XXXX is partnered with XXXX, once a car is rented, XXXX verifies the car insurance, make, and, model thru the XXXX app, making it possible for one to drive. However, if the payment is not made the same day, at the start of each week, XXXX removes the information and XXXX will not permit you to drive, unless you provide them with current vehicle information, ie : valid insurance, make, model, & registration. And so, until I got covid, I paid for 2 weeks to XXXX. I used my debit card to pay. Next, I tested positive for covid. At the same time, I was evicted from my apartment and went to court for the eviction, and lost my case, & is now on appeal. Because I had no place to live at the time, I found resources that allowed me to enter a covid isolated hotel program in which I was unable to leave until quarantine was over ( 14 ) days. I was unable to pay XXXX therefore, XXXX removed my ability to drive by taking the cars information off of the XXXX app. I, at that time, called XXXX and XXXX to let them know the situation and that I could not pay and that I was going into isolation. The rental car was not picked up. Next, I lost my debit card, and canceled it. After release from the quarantine, I received a call from XXXX telling me that the car would be picked up and for me to place the key inside the glovebox. Which, I did. The car was picked up. About a few days later, ( I'm finding out now because I have been and still am locked out of my online banking ) my account had been charged over {$2000.00}, making my account that much in the negative. Despite my negative balance & my deliberate refusal of overdraft protection, without my knowledge, & my having canceled my debit card, Chase bank had decided to pay the charges. This was not the only charge. Chase paid several amounts with " my money '' that I didn't even have in the bank. At what point does the bank decide to not allow more charges? I have filed a dispute with the bank and asked the question of " why did you pay for things with money that is clearly not in my bank account? '' I then asked, " if a charge was made with my account balance at negative {$2000.00}, would they pay now, and why not? '' Why didn't the bank stop paying when my account balance had been XXXX? Furthermore, why was XXXX allowed to charge my card after it had already been canceled? Yes, I authorized two payments of {$320.00} to my account thru my debit card. But once my card had been canceled, that fact says " hey, you, you can't do that ''. 

My XXXX check will never cover the amount of charges that chase bank has allowed onto my account. I still to this day, have been unable to log into my online account. I've called and have personally went into the chase bank branch with my identification but the verification question of " my brother 's birth date '' ( which I didnt know off hand ), couldn't be answered correctly. Each time, I am placed on hold 30 min until another agent can answer the call to ask me another set of questions that I may not know the answer to right away. My taking my identification into a branch failed as well. Despite my having identification, I am still asked a set of questions. So, its kinda funny how I can not even look at my account online, yet, chase continues to dish out my money that I don't have. 

Well here 's the trouble. I am going to get my XXXX check Monday. If my check deposited, its still going to leave my account negative. My XXXX check is what I use to live for the month. Just having gone thru an eviction, my new apartment will not accept my not paying rent for the 1st month. If I don't pay rent, I will be evicted and my daughter and I will be forced into XXXX. I need my XXXX check above all else. That is the absolute best thing that can occur for me at this time. I would like to dispute the charges from XXXX, but that problem can wait until the problem of my rent being paid is out of the way for now. If the charges aren't cleared from my account and my account balance remains negative, I would not have a dollar to my name for a few months. Surely, I can deal with that negative balance later using the process of disputing. So, chase bank, I would like for this situation to end with your allowing me to withdraw my XXXX check this month, so that I am not evicted and to allow me the opportunity to go thru the dispute process. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation