Consumer complaint received 2018-12-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
This started on XX/XX/XXXX, I called chase, I was disputing a charge on my account that I was not satisfied with. My wife joined an XXXX program and was not happy and left the program early, the XXXX program did not refund her so I went through chase. I called chase stating the services provided did not meet our expectation and we canceled the program in the beginning of the program and wanted our refund. Chase filed my dispute and refunded my {$4000.00}. Ive also provided chase details of my wife being XXXX  and this decision was pressured to her by the program instructor ( she was promised a refund from the school but the school denies this ) she even switched from the day schedule to the afternoon because she was pressured into staying, but we got out because we believed the program was a scam. Chase refunded me on XX/XX/XXXX, then on XX/XX/XXXX almost 2 months later chase decides to reverse the charge and believe the school was on the right. Now I am negative XXXX, and have a new born baby that put me in a horrible situation ( I am currently not even able to use my bank account ) I called chase spoke to dispute team, they stated the school provided documentation of my signature on there policy advised them to send me this documents. The documents shows my wife signature not mine, I repeat not mine, my signature was only on the XXXX XXXX app agreeing to pay the amount but NO documents statingXXXX XXXX that I agree with there terms, the school used my wife to there advantage and having her signature on the schools policy, and my initial dispute was for the service that was provided not a refund as a fraud charge. Chase dispute team refused to hear me out and stated no ones is giving you the money back, we can not help you and that they will send me to collections Im XXXX with a new born, I do not even make XXXX a month, and being threatened by chase that I will be sent to collections is frightening. So I took my complaint further to the executive office on XX/XX/XXXX. I spoke to XXXX who tried assisting me, I explained her my situation and that I feel they need a 2nd look at my dispute, XXXX from the complaint executive stated she will, I called her every day after this trying to see if there is a resolution she kept saying not now shell see how she can help me and that she needs more time, I gave her more time, after almost 2 weeks, I call her again, she stated that she sent me documentation showing I agreed ( this is the same documentation showing my wife signature not mine and only on the XXXX XXXX ) I told her that I disputed the service provided not as a fraud, but she did not agree and stated that they can not do anything. I was scammed by XXXX school that my wife only been in for less then a week, and threatened by my bank to send me to collections and refusing to help me in any way, with a new born  and financially struggling. I am not sure what to do at this point, I honestly believe that chase could of handled this better and just put me in a deep hole financially without thourally looking into the matter as a service that did not meet my expectations not a service I believed was fraud, i am a father with a new born, my wife is not working, only me, and I am in debt XXXX $ because chase refuses to look into this further, unable to access my bank account, executive telling me that they can do nothing to assist me, and asked me to mark it as a charge off or else they will in 60 days, how chase handled this situation is horrible with no resolutions just a waiting game and waiting for me to stop trying, and now I am stuck, all my savings money ( XXXX I got back from chase went towards my baby shwo r and baby things ) and now I am not sure what to do anymore because I am negative -XXXX, trying to fix this situation and asssit my family at the sam Time ; please look into this with chase, let them provide the documents, you will not see my signature on the school terms only the XXXX XXXX ( which I did not trust ) and help me retrieve my funds, I wish for this not to happen to anyone else and believe chase can do a better job on handling there customers especially a customer that uses chase daily and has multiple family members and friends that use chase. Horrible experience and needs assistance really badly. Thank you for hearing me out -XXXX XXXX

Company response to consumer: Closed with explanation