Consumer complaint received 2023-06-01
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a victim of identity theft fraud in the past that has never really been resolved causing me to loose all my bank deposits, funds to be stolen after they were deposited. At first whenever it happens no one seemed to know how because whoever is doing this is claiming insufficient funds before the funds become available so that when the funds are actually available after deposit, they can be stolen by withdrawal  by debit so that anyone who tries to investigate would believe that the funds were never deposited and returned being returned by the banks where my funds were deposited. I am being told by some back office I constantly get routed to that I never had funds deposited into my account, that my checks deposited were returned for non sufficient funds and that my account is closed and that they have ended the bank relationship with me and that they would not be using my social security number any more to open up a account and that they don't have to tell me anything about my account or my funds, to contact my other bank where they have returned the funds to, After my funds got withdrawn on a transaction by way of debit.  I also have proof of the original transaction that were approved originally, and the hold was placed so that no-one would try to take the funds in advance from any of my available balances on XXXX XXXX XXXX However on XXXX XXXX even after my deposit was processed and approved, I was given a date of my funds availability for XXXX XXXX XXXX, and there was a hold so that no-one can try to take the money in advance from my available balance, somehow someone did it anyway to make it appear that the transaction had declined they had not and did not. on XXXX XXXX after speaking to a bank representative explaining my concerns, He verified my information and said that it appeared that my bank account and debit card was being compromised, my debit card was already activated before I had received it, the representative said that the debit cards never have a pin already, that I would have to activate it and create one. He said that at time at the branch if your getting a credit card which I do not have although I was approved I did not take it because I do not want debt I prefer to pay in full, the representative said that only a credit card can be activated before I receive the card, but that is not the same for a debit card. He said that he could close that account and reopen me a new one and send out a new debit card and that my account would be protected. I told him at that time I was receiving a deposit and the funds were scheduled to be available in my account on XXXX  the first and I wasn't sure what would happen to my deposit and that I needed it, I had already had enough deposits lost from being stolen and that I wanted to be sure that I received my deposits. That is when the bank customer service rep said that I he understood my concerns and said that I should place a block on the funds deposits, because it seemed that my account and debit card may be compromised that if I place the block, it would prevent anyone trying to steal the funds when they were deposited from being able to take it right away, which would give time for me to actually see when the deposits come in, because without the block, sometimes the funds are stolen so quickly and covered up to make it look like there were never any deposits that usually people do not have proof. So he placed the block and told me to watch my account. He also verified the deposits and the funds availability date and the bogus account closing letter I received on XXXX XXXX that my account was not closed and would not be closed and was a computer generated letter, because someone had attempted to try to take the money from my available balance even though they had instructions not to try to take any money in advance from any of my other accounts until the deposited funds were available scheduled for XXXX XXXX and a hold was placed on XXXX XXXX so that they do that. Even though instructions were in place, someone still tried and generated a declined transaction letter although the funds deposits were approved and good. that was a violation in itself to ignore the hold. After 5 days of monitoring my account and speaking to different customer service reps about my accounts, on XXXX XXXX in the middle of the night I received the deposits into my account which went from present to avail. I could not move them because I had the block on them and had to call when the customer service opened because it is not 24/7. By XXXX XXXX when I woke,I saw that my deposits were gone and my available balance of XXXX was gone and at XXXX I began notice as I was on my account, other information was actually disappearing, whoever withdrew my deposits, was erasing  the deposits with new information to make it appear that the deposits never came and that the funds were returned to my other bank account and they posted my deposits as NSF although my funds are very sufficient as they were approved and eventually deposited, even after the date that someone said the funds were returned for NSF.  Which I knew was not true. I called my other bank that the bank where my deposits were actually deposited and stolen by withdrawal by debit, said they returned my funds to although they said no deposits were made and  I was told no deposits were ever received because there was NSF, to verify this and was told no, That no deposits were returned, that no funds deposits was ever returned to my account,  which I know is not true because they were never NSF and were actually deposited is what the representative wanted to make me believe and that my account was closed even though I explained what was happening to me and had been happening for years from other experiences I have had in the past loosing all my deposits, over paying, being scammed, my deposits were being stolen and redirected away from me leaving me to go without and have my property assets stolen etc. yet every time I make a complaint to the business or agency, they have false records they submit to have the case closed and no-one investigating ever really looks into how this is happening and they also never really read or follow the law that would empower them to fully protect my identity, my accounts and all assets I would otherwise hold and have on my own. They rather create a false narrative I dont have so they can take and keep my benefits to their benefit which would otherwise not be happening. This is the most recent yet now obvious experience as evidence that this is happening to me causing me loss and damage that I can not funky describe in this email yet if you put all my other reports together and actually verify my complaints which can be verified. maybe not verified by those in organized positions who may be behind this and responding as nothing is wrong and presenting falsified documentation looking real to have the case closed is not fair at all. my deposits have been stolen now and redirected somewhere else for over 20 years now, even up to this day, forcing me and my children to have to sleep outside if we can not secure a hotel room all while I on my own try to avoid this for us because we otherwise would not be forced to or have to experience this damage and traumatic experience at all. I would actually receive my available balances after deposit and they become available. I am not sure why someone is withdrawing my deposits by way of debit, and trying to pass it off as a decline and return for NSF, and mess up my account in good standing but they are doing it after gaining my deposits. And not trying to protect my account and return my available funds back to me as the policy says my account is protected from fraud and identity theft. I do not understand how so far anybody who has received the deposits are able to do this. I already have a police report on file about the identity theft and a ftc report and identity theft affidavit, yet it seems like nobody is taking this as important for my safety and protection. but instead seem to be allowing whoever withdrew my available deposits for my use, to keep them for themselves, making any organizations that they meet obligations of look bad. Yet it is whoever withdrew them and trying to make it look like the deposits never came causing me to be effected in a negative way is really bad.

Company response to consumer: Closed with explanation