Consumer complaint received 2018-12-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
On the XX/XX/XXXX at XXXX, I called the Chase Bank Claims department to enquire about the status of some existing claims. 

I was expecting some funds to be returned back to me having earlier filed a dispute about multiple transactions which appeared to have been debited twice on my account. 

I spoke to a woman named XXXX of the operations and loss department who then informed me that Chase Bank had decided to terminate its relationship with me and had closed my account and suspended access. I implored the Bank to at least allow me to m! ke an online transaction for the existing balance of {$1000.00} and it was honored. 

I came home took a shower, logged back into my account and my balance had shifted northwards by {$300.00}. I decided to call the bank again because I wasn't certain which way the account would shift once I had put on my dress shoes drastically affecting any number of life decisions I might have made which depended on some kind of financial capability or security. 

This adequately sums up my issue with the Bank whom I had trusted to provide a secure and reliable financial relationship based on mutual integrity, honesty and transparency. 

As it turns out, Chase Bank has operated a Fraudulent and Unbelievably Wicked financial scheme to rob me of my monetary benefits and rights based on the assumption that I, being a XXXX XXXX but an iXXXX XXXX XXXX, XXXX in the US on an XXXX XXXX XXXX  would not have the mental capacity or moral obligation to protest, expose and confront this injustice, if for nothing but to show gratitude to the systems and people who provided me the opportunity to benefit from living and studying in the greatest country on earth. 

There is a glitch in the accounting system of Chase Bank which allows the bank to charge customers multiple times, under the guise of " Pending '' Transactions. for the same transaction on its Mobile Enterprise Application. It's as simple as a game of bricks where by the position and placement of a single brick ( Up or Down ) determines the chances of win or lose. 

When I discovered this aberration, I filed a series of claims to reclaim back the amounts owed to me. Chase Bank in order not to lose money went ahead to file disputes with these merchants that these transactions were unauthorized when in fact they were, but Chase had put these debited amounts as pending, and when the merchant for some reason delayed collection they never credited these amounts back to my account, and charged me a second debit whenever the merchant showed up. 

Even more ludacris is the decision of the bank to abruptly terminate my account and suspend access to my own transaction records while these disputes and investigations are going on, effectively making the process one sided and unilateral. I can no longer see what is being credited or debited, reversed or honored. 

In a shameless display of lack of transparency, Chase has shut the lights off on me and could possibly be collecting money from multiple  merchants claiming to be recovering funds and eventually leaving me to deal with the consequences of this day light robbery. 

I've been told that I will receive a check in the next 2-10 business days concerning whatever the outcome of the investigations and the money in my account has been frozen and I've been refused access to even withdraw or transfer that money out to use at such an auspicious time as the end of XX/XX/XXXX when Bills and many financial commitments are due. 

I have no doubt in my mind that in this land of the free called United States of America, someone somewhere will read this missive and understand exactly what has happened and will stand up and remind this establishment that accountability and justice will forever roam the dark recesses of dishonorable men and bring it to the full glaring light of Uncle Sam 's Sternest of Glares and disgust. Tuh!

Company response to consumer: Closed with explanation