Consumer complaint received 2017-12-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XXXX of XXXX, i noticed that there was fraudulent activity in my account. I noticed that funds were in my account ( chase bank checking ) for the amount of {$1400.00} ( approximatley ). The money was there because someone claiming to be from ace check cashing deposited a fake check into my account. I never write checks by an explicit rule i set for myself. I never ever have gotten chexks sent to my home. The check was written out to to some kind of pediatric clinic. I do n't even know if its a real company. I have XXXX state insurance, so no need to write any checks to any clinic. I immediatly called chase cuatomer service. They froze my account, for my safety. Between XXXX to XXXX of XXXX, the comprimised account was closed. My new bank account was opened. Later, during that time ( perhaps about a month later ). The funds that i reported to chase ( {$1400.00} ) was in my new account. This was funny to me, because i reported fraudlent activity not by me, with this balance. I told the chase representative over the phone, that the comprimised funds were showing up as available on my new account. I told them that i was calling to report it, because i do n't do fraud of any kind period and do not want to use funds not mine to use. The rep assured me that the funds were mine and available for me to use without penalty. I did n't just take the first reps word for it. So, i called again. The second rep looked up the account and told me the same..that the funds were mine and available to me, as far as chase is concerned. I still did n't believe it. So, i asked to speak with claims. Tge claims rep told me that tge funds were mine, like the repa told me. I took it a step further and asked, '' so if i used these funds, they are legitimately mine and available for me to use? '' She also reassured me that they would not be minusing my account if i do. Yesterday, i had approximatley {$350.00} in my available balance left over from my department of veteran affairs XXXX compensation. I needed to take some money out to take my daughter to school for the rest of the week and pay for our hotel and gifts for the holidays. The teller said my bank account was over drawn in the amount of {$1100.00} ( approximatley ). When i got to a bank teller, at chase bank in downtown berkeley california ( around XXXX XXXX ) the teller said it was because they deducted the account that was credited. They took the rest of my money ( approximatley {$350.00} ) to pay off the money from the {$1400.00} dollar credit they gave me from the old comprised account to the new. When the chase teller called for me from the XXXX   XXXX, thwy were rude with him ( chase customer service and refused to help him ). He got on with someone else, but this time put me on the phone so the phone rep could explain the matter. She was very very rude, bullying, and bossy. She actually ridduclued me. She didnt understand that the reason why i called to report to credit in the first place is because i knew the money was from a fraudelent situation committed against me. So, of couse i would never just assume the miney was mine. I told her this is why i called to very with chase way back ... months ago when it first showed up on my new account. She claims she could n't see where i called in ... not once, bit twice about alerting chase to reverse the money out of my account. This is impossible, because ALL calls are recorded and can be traced, even if no one wrote the notes in my account. The phone rep on the, phone i used from XXXX XXXX said that it dosent matter if i called anyway that i was not going to get my money back..there was nothing i or anyone could do about it. Once again, she was rude, abrasive, rough, and insutling. I felt like an XXXX. I feel bullied by this bank and have been having trouble getting my VA XXXX check since XXXX. XXXX was the first month i actually got my direct deposit right. Every month there was an issue. Back in XXXX, i had my funds directed deposited to the new account opened by chase. I didnt not get my compensation when the goverment sent it. I called they said i never had direct deposit with them. Of course, untrue. I 've always had direct depoait with that bank. After bouncing back and forth between them and the VA several times. They finally admitted that probably they just didnt get it. Two days after my direct depoait was suppised to come, i saw my money in my account. I called to find out what happened. They said someone entered the money from the VA as a credit, instead of direct deposit. The chase phone rep said " it was like, someone just went into a bank and placed thevmoney into the account ''. 

I do not trust this bank. I have been going through different things with them for months now. It seems like they are constantly taking or holding my money. Once i was stuck in las vegas on a family emergency because chase mixed matched my two debit cards to my two premire checking accounts. This was back in XXXX XXXX. I was deducting from one debit card only ... i had sucessfully the whole time. Until one day, it was over drafted. Even though i eas supposed to have {$150.00} ballance. So, there were two checking accounts with two debit cards. The other card was with my daughter and her dad back home in california. So i never used the card linked to the account they were deducting from. Somehow, the accounts were switched. So were the cards. The card i had in XXXX with me, that i was using the whole time, got switched over to tge other account they deducting from were. So it appeated like i was overdrafting the card i had. The other account still had my {$150.00}, but that account was linked to the card my family had at home. My family could n't use that cause i had to my card report that i had on me in vegas lost. In short, they should have cut off the one i had on me when i called and gave them the number to it. They should not have XXXX off the one my family had and could n't use. I didnt have that card on me. So i couldnt have told them to shut it off. They screwed up my accounts and money. They gave me a credit for their mistakes, but took some of it back later, and overdrafted my account. 

Please stop them. Please help me recover my funds. I need it to take care of my family. I have kids and grandchildren. This us my money i survive off of because, i have servere military related XXXX XXXX and ca n't work. Its the holidays and i wanted not to have my family stay in a shelter for the holidays or my daughter 's birth day comming up. Please helo us. Please stop them. The VA has altered us that chase bank has been getting complaints on by veterans. They ca n't just bully people like this. Thank you so much, in advance for all your help.

Company response to consumer: Closed with explanation