Consumer complaint received 2018-03-06
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Dear CFPB, PROBLEM : THE PROBLEM ISN'T THE PROBLEM. THE PROBLEM IS CHASE BANK 'S ATTITUDE ABOUT THE PROBLEM. CHASE BECAME PART OF THE PROBLEM WHEN THEY ARE SUPPOSE TO BE PART OF THE SOLUTION. 
CHASE BANK left {$18000.00} in my XXXX XXXX XXXXXXXX trading account when I requested a legitimate dispute to have the money returned to my CHASE BANK DEBIT account. I earned over {$210.00} XXXX dollars in trading at XXXXXXXX XXXX   XXXX. I am owed allot from XXXXXXXX XXXX XXXXXXXX in my trading account it is just sitting in my account which is already earned money just left in my XXXX XXXX XXXX   account. It was suppose to be disputed by a NON REG XXXX and submitted through XXXX digitally over XXXX 'S SYSTEM. CHASE was suppose to have XXXX CONTACT XXXX XXXX XXXX  which is the people who charge 's CHASE 'S DEBIT CARD to place money in my account at XXXX XXXX XXXX to trade. The Market didn't take the money so I am owed here I take what I make. 
CHASE EXECUTIVE OFFICE DIDN'T ASK FOR THE MONEY TO BE RETURNED TO ME AND THEY DENIED MY MONEY TO ME UNLAWFULLY. XXXX a former employee for CHASE IN THE NY OFFICE told me the Bank can not decide if you win or lose a dispute. The bank still has to submit it to get it and you don't get what you don't ask for. XXXX works for XXXX now and she got my {$4000.00} back from XXXXXXXX XXXX  XXXX XXXX XXXX DEBIT CARD did their job and they said, I was backed by XXXX 100 % and VISA knows the situation because they did this to hundreds of people. XXXX XXXX the oldest charge on XX/XX/XXXX and they said, XXXX XXXX   XXXX gave them the green light and said, for it to be a permanent credit. XXXX XXXX said, it has to be treated like an AIRLINE TICKET. For example : I paid on XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX was suppose to deliver my $ XXXX XXXX dollars on XX/XX/XXXX. XXXXXXXX XXXX WENT BY THE DATE THE SERVICES ARE TO BE DELIVERED AND THEY WERE NOT DELIVERED FOR NO SERVICES RENDERED. XXXX XXXX  XXXX needs the principle money to trade in a 100 % managed account to make the {$210.00} XXXX dollars FROM XXXX TO XX/XX/XXXX. 
I lost communication with XXXX XXXX XXXX in XX/XX/XXXX and I had $ XXXX in principle, $ XXXX in Bonus and $ XXXX plus dollars in my trading account. I need to collect on the {$210.00} XXXX dollars of earnings that is left in my XXXX XXXX   XXXX account. 
CHASE COMPLAINT : My complaint against CHASE EXECUTIVE OFFICE made allot of frivolous excuses not to recover my money. They simply disserviced me all the way GROSS NEGLIGENCE and they were simply OBSTRUCTING ME FROM GETTING MY {$18.00} XXXX DOLLARS PRINCIPLE. CHASE DID NOT DO THEIR JOB AT ALL. I was put through allot of uncalled for and unessary Bank baloney for nothing. 
Here is an Analogy : If CHASE was a life guard at a swimming pool and someone was drowning and CHASE had a life preserve ( the foam ring ) to throw in to save a drowning person. CHASE made silly stupid excuses not to throw it in to save the drowning person. 
CHASE LET MY {$18.00} XXXX DOLLARS DROWN FOR NOTHING BUT for frivolous and STUPID EXCUSES. By NOT submitting my dispute to XXXX WHICH ALREADY AGREED WITH ME 3 TIMES IN 2 XXXX DISPUTES AND 1 XXXX IN THIS SAME TYPE OF DISPUTE already IS DELIBERATELY AND MALICOUSLY LETTING MY {$18.00} XXXX DOLLARS DROWN FOR NOTHING. This is UNFAIR BANKING AND ILLEGAL. I DIDN'T GIVE {$18.00} XXXX DOLLARS FOR CHASE AND XXXX XXXX XXXX TO RUN OFF WITH TO RIP ME OFF. WHEN I SAY MALICOUSLY CHASE is well trained to get my money back and they didn't and XXXX XXXX AND XXXX said, they encountered no resistance from XXXXAL BANK MXXXX. I also feel that CHASE COULD OF STOLEN THE MONEY FROM ME. This is why I think they put every road block and excuse not to recover my money for me. Here is the law : US CODE OF FEDERAL REGULATIONS VOL. 16 SECTIONS 255 & 436 WHICH STATE : " A PRODUCT OR A SERVICE MUST BE EXCHANGED FOR MONEY RECEIVED '' By Law I get the PRODUCT OR MY MONEY OR THE SERVICE OR MY MONEY! 
SINCE THERE IS NO EXCHANGE OF ANY PRODUCT OR SERVICE I GET MY $ XXXX THE LAW IS BLACK AND WHITE. 
WHAT WAS EXCHANGED FOR $ XXXX? NOTHING SO I AM OWED $ XXXX FROM CHASE. NO PRODUCT OR NO SERVICE = NO CHARGE. NO PRODUCT OR NO SERVICE =FRAUD= TRICK AND I AM NOT LIABLE FOR ANY FRAUD OR TRICKERY IN CHASE BANK. 
IN THIS CASE FINANCIAL SERVICES MY $ XXXX IN MY ACCOUNT I AM LEGALLY ENITTLED TO. XXXX {$18.00} K! I WAS SUBJECT TO FRAUD FINANCIAL SERVICES FROM BOTH BANKS. I DON'T OWE ON DECEPITVE BUSINESS PRACTICES. 
IT IS ILLEGAL TO CHARGE ME $ XXXX FOR NO PRODUCT AND NO SERVICE! I GOT NOTHING FOR THE $ XXXX SO I AM OWED $ XXXX BY CHASE. IT IS ILLEGALL FOR THEM TO LEAVE $ XXXX IN CHARGES ON THIS ACCOUNT FOR NOTHING. ANY DECEITFULL BUSINESS PRACTICES ARE DISMISSED IN COURTS. A DECEITFULL DEAL IN NO DEAL AT ALL. 
PLUS I AM LOSING THE COST OF MONEY I EARN 20 TO 30 PERCENT ON MY $ XXXX A MONTH IN TRADING PLUS MONTHLY COMPONDING ON THE NEW MONEY. IT IS VERY SIMPLE I EITHER GET MY $ XXXX OR MY FINANCIAL SERVICES. SINCE NO FINANCIAL SERVICES WERE RENDERED I GET MY $ XXXX AND THE LAW CAN'T BE IN CONFLICT WITH ITSELF WITH BOGUS BANKING REGULATIONS.

Company response to consumer: Closed with explanation