Consumer complaint received 2018-01-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attached is the letter I wrote to Chase in XXXX of 2017. 
Since then, I have had no clue what to do because no one wants to help me everytime I call. 
I am currently an XXXX year old XXXX XXXX enrolled at XXXX University XXXX Campus. 
I have no type of income to pay of this debt as I am a XXXX XXXX XXXX XXXX at XXXX. Someone needs to help me with this debt collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Check account Number : XXXX Dear to whom it may concern, My Name is XXXX XXXX XXXX & I am a proud chase customer. I am XXXX years old in XXXX school with a XXXX school checking account. I use this account for everything a XXXX school student would use it for. I am a constant chase user & this account is very dear to me because I have 2 jobs and this is where I deposit all my checks. I am currently undergoing a problem that has had me very stressed and worried about my future with chase. My card was reported stolen on XX/XX/XXXX. I was on vacation for An entire week. Before leaving I lost my wallet with all my personal information including state ids, school, license, bank account information, pin & of course my chase card. I did n't realize until I got back home that all of this was lost. I went into the bank the next day to report my card lost & get a new one and I was told my account was restricted. No one told me why, they just said chase was closing relations and was sending me the remaining funds in my account. I told them that, that could n't be possible because I had no idea why they were taking such strong actions. I demanded a reason why and they just told me that they were sorry & could n't do anything about it. At this point I was very furious and one of the branch managers proceeded to help me. He told me there was suspicious activity on my account and that was the reason why. I was confused at all this. I was told my remaining funds was somewhere close too {$900.00} & that it was being sent out to me through mail. Again I was confused because I did n't remember having {$900.00} in my card. I refused to accept that deal because that money was not mine and escalated it to report fraudulent activity on my account. I spoke to someone from the claims department and they immediately wrote claims for these transactions that i did n't recognize. There was a claim for XXXX and it was reversed. Recently I canceled a direct deposit but it still went into the account and for some reason i am not allowed to take my money and chase is now saying that I have to pay money back that I did n't even know about. My deposit was for {$150.00}, & all of sudden it was charged off into the overdraw. I 'm a very angry at this matter and do n't believe That chase should not be charging me after being very sincere about money that was n't mine. I want to keep my chase account open and I am very sorry that I lost my all my info with my card. I believe this can happen to anyone I do n't want that too ever happen again. To whom ever is sincerely reading I just want you to know that I am need of help because I am in need of my money that I 've worked hard for. I need this money for upcoming events at school such as prom and a XXXX trip. I hope whoever is reading can go out there way to help me find a solution and find it in there heart to help a XXXX year XXXX XXXX student. 
Sincerely, Loyal Chase Customer XXXX XXXX XXXX No one ever felt the need to help me. I dont know who else to speak too.

Company response to consumer: Closed with explanation