Consumer complaint received 2020-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/XXXX I inquired into leasing an apartment unit at XXXX XXXX XXXX, XXXX XXXX, XXXX Height apartment, owned by XXXX XXXX XXXX, XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I spoke with the apartment XXXX whos First name is XXXX. On XXXX I was contacted by XXXX and asked about making payment. XXXX asked me for my debit card information, and I informed her that I would complete the application and pay online. Prior to submitting the application, I informed XXXX that my credit score was not good, but I had no evictions nor outstanding balances to any apartments. I was assured by XXXX that a poor credit score would not automatically disqualify me and that she can make the decision to rent to me. 
On XX/XX/XXXX I submitted the application and paid {$140.00} fee that consist of {$100.00} deposit, {$40.00} application fee and a {$3.00} process fee I was also required to purchase rental insurance in the amount of {$9.00} from a merchant named XXXX. On XX/XX/XXXX I received an adverse letter ( Exhibit 1 ). The adverse letter stated although XXXX XXXX XXXX, XXXX is solely responsible for their rental decisions, that the decision was based in whole or in part on information contained in my tenant screening report. On XX/XX/XXXX I contacted Chase bank and disputed the charges of {$43.00} and the {$9.00}. I informed Chase claims that XXXX of XXXX Height, XXXX XXXX XXXX, XXXX had given me false information to induce me to apply knowing they would gain at least {$40.00} On or about XX/XX/XXXX I received a check from XXXX XXXX, XXXX in the amount of {$100.00}. On or about XX/XX/XXXX I lost the check. On XX/XX/XXXX I contacted XXXX XXXX apartment and informed the person who answered that the check had been lost and requested a replacement. The employee refused. I called my bank and was told that I was given a credit for the {$100.00}. I looked at my statement and saw that I was credited for the entire {$140.00} even though I do not remember disputing the {$100.00} deposit as I anticipated it would be refunded. On XX/XX/XXXX at approximately XXXX pm I received an alert of overdraft and discovered Chase had reversed the credit. On XX/XX/XXXX I contacted Chase and complained about the reversal. A representative name XXXX and supervisor name XXXX claimed that Chase does not handle fraud by merchants giving false information. Chase further stated that the lost check of the {$100.00} deposit was not claimable since I lost it and that the merchant is not obligated to reissue a check. On XX/XX/XXXX I stopped automatic payments to my Chase credit card and after this ordeal no longer wish to bank with Chase. 
On XX/XX/XXXX I attempted to contact XXXX XXXX XXXX XXXX, XXXX at the number on my statement and the number was out of service. I search the XXXX of XXXX website and found that the location listed at XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX  XXXX is not occupied by the company.

Company response to consumer: Closed with explanation