Consumer complaint received 2018-07-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX To whom it may concern, A set of circumstances caused me to file for bankruptcy in XX/XX/XXXX. While this was going on I had a negative balance in the checking account of around 500.00 since XX/XX/XXXX. This painfully forced me to ask my mother for a XXXX loan, a painful task I tell you. 
When the check arrived I went across the street to open a savings account. I explained my situation, there is a negative balance in the checking account and that my monthly check would cover it in three weeks. I need this money to live on. She spoke of overdraft protection from the savings to the checking at no cost to me. All She had to do is link the accounts. I asked, will this affect the deposit money? She said, no, because it happened last month. I stated again, are you sure, I don't want to take the chance. 
The next day I took out two hundred dollars and went food shopping. I did not make any more withdrawals for two weeks. When I tried to take out money the account came up empty. Immediately I spoke to the manager and he stated, maybe she didnt know. I told him the exact same story, it was useless. I told him to close the account and he did. 
A few weeks passed by and I received a call from the account rep, Im sure they have it on tape. I lost it, she called to harass me and they hung up. Why would I open an account with XXXX to pay off the other account with the same deficit? Why wouldnt I just pay it off? Because I needed the money, my XXXX is not reason! Clearly the reps action makes no sense. 
A week or so went by and I needed statements for several forms for IRS and XXXX, so I went on line and printed out from XX/XX/XXXX to XX/XX/XXXX. While reviewing the statements I saw an XXXX negative balance. I read them in great detail, learning that Chase had reopened the closed account without my knowledge or consent. Then they took money that I did not have in checking and transferred it to the closed account creating a loan and deficit of XXXX. Thats right they took money and charged me for it. 
The saddest part of this story is that they are trying to take advantage of and harass a XXXX person. They just took the money without notifying me. So, I had no money for food or transportation for two weeks. I was forced to beg and borrow in order to survive. 
Just to recap - A ) I open the account and explained the situation to the account rep. Exactly, the checking account is over drawn, I need to open a savings and deposit this money, the monthly check will cover the checking in two to three weeks. 
B ) She linked the accounts anyway. They just took the money without notification. 
C ) I went to the branch manager and told him the same exact story. He replied, maybe she didnt know. I told him to close the account and he did. 
D ) The next check came in and covers the negative balance. 
E ) That month they reopened the account with out my knowledge or consent. 
F ) The took XXXX XXXX dollars from the negative amount in checking and created a loan without my knowledge or consent. 
G ) They created a negative XXXX XXXX XXXX XXXX dollar plus deficit. 
How can this be allowed to happen? What country am I in? 

I look forward to your reply. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation