Consumer complaint received 2019-01-10
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:
I went to XXXX with my kids to get diapers and a few necessities, I called chase before hand and let them know I was going to be writing a check for around $ XXXX- {$150.00} which is an abnormal large payment for me so I wanted to let them know I authorized it. So I go get the stuff and go to check out the total came to {$130.00} and some change so I write a check and give the clerk my check and my ID he checks it verifies and runs it. Its declined so I called the chase and asked if they denied the check they said no everything verifies on our end so I conference in XXXX and they research it and said it was declined because im not in their system yet not for bad checks or not enough funds to cover the check. So they take my info and put me in their system and put an approval in for that amount and tell me to write another check and run it again. The XXXX manager came over and said that because it was declined they are not going to run it again. I had him speak with chase and XXXX verifying it was approved. So then the manager said that he needed more identification because my last name on my check didnt match the last name on my check ( I got married and am changing my last name over ) so I said ok I pulled out my student picture ID, and my debit card matching the check the manager said he needed my pin to verify my identity I said ok and gave it to him. He spoke to chase again read off my card number and pin and verified and while I tried to calm my melting down tired XXXX  XXXX XXXX kids he then said ok and gave me my card back. He then tried to run this check and " accidentally '' entered in the wrong amount and ran it twice so it was declined again I called chase and XXXX back and chase verified everything was good on their end but XXXX said because there were so many attempts they couldnt approve another check till their systems reset in a week .... so i said ok and said Ill just transfer some money over and pay with my card. The manager informed me that because my checks were declined they had to run my card for 3 times the amount to ensure itll clear. I said no absolutely not thats ridiculous the checks were declined for their error not mine and honestly I had been standing there for over 2 hours and my XXXX XXXX kids were done. So I gathered up my kids and left the stuff there and left. Well i got home and had a bad feeling so I put a stop payment on the checks just in case. The next morning I wake up to a {$530.00} charge to XXXX on my account. Immediately called chase and explained what happened and disputed the charge. They said ok issued a credit and said they would research it. Well a few weeks later I get a letter from chase stating they were done investigating and they decided that the transaction was not fraudulent and was accurate and they were going to be reversing the credit and withdrawing the funds from my account. I called them immediate stating i wanted to appeal their decision and that I didn't authorize any transaction. They said because my card and pin were used unless i have a receipt showing the cancelled transaction they couldn't do anything. I stated there was no receipt because I never even swiped my card! So theres no cancellation no nothing. They said theres nothing they can do. I said thats insane I didnt run my card and the total was only for {$130.00} why was {$530.00} run!!!! Plus look at the history of my account i have never spent that much at XXXX ever or any store for that matter. They got me a senior manager i explained to him and he stated the same thing because i don't have a reciept for the cancelation for a transaction I never did they couldn't reverse the decision. So they withdrew the {$530.00} back out of my account. 
I have called back and appealed it with the police report number and documentation of my identity and banking theft and fraud and requested that they change their decision and refund the money. They havent responded or made any action towards making this right at all

Company response to consumer: Closed with explanation