Consumer complaint received 2023-05-20
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:
My wallet was stolen and therefore my ATM card was in it was also stolen I reported it to the bank. They wanted to file a dispute on the charges that were made from the date that I told him that my card was stolen to present so I agreed then they said they were going to give me a temporary credit for the amounts that were in the dispute but I never received any temporary credit because the bank account was closed they said that they were going to issue me the temporary credits in the form of a check I believe because the account wasn't closed wait they said I should wait XXXX hours till that check would be in my mailbox which I did and it was nothing in there I contacted them back after the XXXX hours and let them know that there was no check in my mailbox as I contacted them back the bank said that the action was reversed and that they were going to take back the temporary credit I never received any temporary credit so and they charge my savings account that I had with them for that temporary credit and it shows on my bank statement that debit due to claim this left my bank account in the negative now and I contacted them and asked them why that was why that happened. For about a month and a half now I've been contacting Chase Bank everyday and been on the phone on hold for over hours at a time I asked him if they could contact me back when they got the information they said they wouldn't so I must stay on the phone for hours and hours and wait for them to respond back when I finally got a associate that understood my problem and wanted to investigate into it they said that they would leave notes into the account so that the next person would be able to pick up where they left off and no notes were ever left or any information about my problem I tried to explain to them as clearly and as open as possible and they will just switch me over to another department and then that department was so true to another department and I'd end up going around the whole company within an hour. I've asked him to check the transaction records to show where I use this temporary credit and why I'm being charged for it and they sold nothing on my part of me even using it they say that a check was mailed off to me on XX/XX/XXXX but this was in the year of XXXX and has nothing to do with this and they keep relying on a check is being mailed to me but they're referring to something that is old the last associate that I spoke with from Chase Bank about this discrepancy said she didn't have no information on it and she could not help me and that I needed to step into the branch in order to get help any further because she did not know or what to do so I stepped into the branch and asked for helping there they did not know where to send me or what to do so now I'm stuck with my credit report showing that my bank account is in the negative and that my other account was charged off and they don't know how to fix their own problem when they wrongfully debited my savings account for the temporary credit that I never used.they would end up hanging up the phone on me and I would have to start all over and recall again. My credit report has been affected due to this and is reflecting that I have a negative account balance in my bank account my savings account and therefore that has deflected me from trying to purchase or even rent a home since I've been living in my car trying to fix this problem every day for the past month and a half. Everybody 's time is worth something and I feel that I've been robbed of all this time sitting on the phone on hold while they are not carrying to fix this problem and hoping that I would just hang up.they would leave me on hold for over a hour scrambling to find information and than disconnecting the call.i had to stop my life on days because I needed to fix this problem and had to be on the phone.i could not get them to call me back or ever escalate this problem they would transfer me to a supervisor who rarely would sympathise but would transfer the call to another department The bank is CHASE amounts are {$240.00} and {$100.00} the date this was filed began on XX/XX/XXXX i have received any money or help to this problem.please help

Company response to consumer: Closed with explanation