Consumer complaint received 2022-09-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
First of all I like to thank you for the opportunity to request your assistance your very helpful organization
I received absolutely not one alert this was outrageous not to my e-mail not to my phone at the home or to my mobile phone text nothing  I was advised there is a uniform commercial code that protects me from them cashing a severely a severely altered check
On XXXX XXXX XXXX I wrote a check  number XXXX from my chase bank account for XXXX  for XXXX  payable to prime locations that was for my maintenance for my appointment at my address in XXXX XXXX  New York what happened was the check was intercepted and stolen as far as we can figure out it was washed altered and deposited in basically a criminal's account from XXXX it was changed to XXXX it was deposited on  XXXX account number XXXX in the name of Michael raudules  the check was paid
on XXXX XXXX XXXX I realized that the check was not delivered to the recipient by contacting them and advising them had you received my check i yet, I'm XXXX XXXX XXXX  and my family especially my son XXXX  was helping me try to resolve the problem, I contacted Chase Bank  on XXXX XXXX XXXX     and spoke to the representatives advising them that the check had not been received &that the post office had advised her that there have been repeated repeated break Ins to the green post office transfer box in front of a building at XXXX XXXX XXXX XXXX even though,  they advised me to give it some more time repeatedly, I advised them sending checks in the past it was a few days this was 10 days old now I was very suspicious, finally the check was cashed on the 28th I realize that what my statement was received in the second week of XXXX XXXX I contacted them immediately and advise them that a XXXX check it came in what they did IN PAST was they had me link my account to another account they advised me this was a sensible thing to do this cause a catastrophe, there was insufficient funds in my account ending at XXXX and they passed it to my much larger account advising me that the linking was always don't forget I'm XXXX  years old and I did not realize it was a XXXX  foolish, that left me a tremendous harm and somehow benefit the bank it didn't benefit me in anyway and was a very cruell thing to do to a senior citizen
as I stated  started contacting JP chase on XXXX XXXX I must've spoke to 30 different representatives between that date and the end of XXXX to date I've spoke to over 100 they frustrated lied to me tormented me don't forget I am XXXX XXXX XXXX  I feel this was elder abuse people of being exploited and taken advantage of I think that's a crime what is happened obviously is God bless you XXXX XXXX XXXX you have the power to help bless you
my phone number is XXXX the home phone numbers XXXX my e-mail is XXXX XXXX   I received not one single alert I would repeat that I received not one single alert the check was deposited it was altered wash it was an outrageously high check I never write checks and not quantity of money ever I was not alerted  which is outrageous unconscionable
when my statement came in I realized and

  on XXXX XXXX XXXX  contacted Chase XXXX  and spoke to XXXX XXXX  they had sent me to various departments I advised him of what happened and they said they would take care of it and contact me back I did not get any updated whatsoever I continue to call them back  in early XXXX and XXXX  the advised me to fill out some documents back I'm quite severely disabled and my son and daughter went with me to the bankand had me fill out declaration of unauthorized was they had me take these documents to the recipient,prime locations  they handle the maintenance at my apartment in XXXX XXXX so we had to go back and forth get these individuals to sign the paperwork that they never received the check they made an outrageous wild goose chase telling me continuously that I was protected there was nothing to be concerned about the Uniform Commercial Code states that they should not process of altered check that they retain liability this check was washed it was completely altered I was never notified that such a check came in I did everything I possibly could notify number early advising them in XXXX the check was late advising them in XXXX that a massive amount of funds were deducted from my primary account that they had caused me to link a very small account that I kept very small amounts of money for protection of fraud they had caused me to link this account with a much larger account advising me this was a good idea it would save me overdraft fees this was all a lie it cause a dramatic harm anyway you can understand to an elderly person or goal it was extremely painful I put my faith in the bank

So what transpired they refused to refund me the XXXX trying every technique imaginable and one I mean every every technique imaginable to evade liability it was incredible they stonewalled lied repeatedly I haven't been in contact with them for months to no avail I've contacted your service award past and you have been phenomenal I really would like some assistance I feel I was abused I feel I was betrayed and lied to repeatedly with the warmest regards God bless you guys XXXX XXXX

Company response to consumer: Closed with explanation