Consumer complaint received 2016-10-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Fraud or scam

Complaint:
In late XXXX of XXXX I received a letter from Chase ( Financial Services? ) saying that I had unclaimed funds that were about to be turned over to the state, and giving me both a phone # to call and a form to fill out and return. In XXXX of XXXX I called the phone number and asked the Chase rep. what funds these were, and was told they dated back to XXXX and a XXXX claim. That made sense to me, so I agreed to have them mail me a prepaid card with the remaining funds, in the amount of XXXX ( sorry, ca n't remember the unit figure ). I was told I did n't need to send in the form, but a few days later I got worried and filled out and sent in the form anyway. 
I still do n't have the card. 
Today, XXXX XXXX, XXXX, I looked up a number for Chase and called it. First I spoke to a person who denied that I had ever had monies there, but she quickly changed and said that I used to have an account, but I had spent it all to XXXX. I disputed that, and finally got bumped up to a supervisor, who gave her name as something unintelligible, but it sounded like XXXX-bunch more syllables. This supervisor ( the " first supervisor '' ) informed me that my funds had been transferred to the State of Ohio, as there had been no contact with me. I protested that I had called in XXXX, and she interrupted me and said yes, they have a record of my call, but they did not send the card as I requested, because the call was not sufficient and I had needed to return the form. I told her that I had in fact also returned the form, and she told me that since I was now changing my story, she " did n't know what to do with me. '' I told her that I was NOT changing my story, that I had called first and sent the form in later. She denied receipt of it, so I asked what I could do now. She told me I needed to contact the Unclaimed Property Department of the State of [ state ], and I asked her for that phone number. She insisted that she could not provide it, as " We can not give you information about the State of [ state ] that the [ state ] has not provided to us. '' At this point the phone call was disconnected, and I called back and eventually was speaking to another supervisor ( " second supervisor ' ). This one confirmed that not only did they have a record of my phone call, but that they HAD sent me out a card. She informed me that it was " too late '' for me to be saying I had not received it. I asked her to confirm whether that card had ever been " activated, '' and she informed me it had not. I said that was because I never received it, and she repeated that it was too late for that. She ( as had the 1st supervisor ) informed me that {$38.00} had been transferred to my state. I asked why that was less, and she informed me that since there had been " no contact '' and the account was " not active '' that they had been taking {$1.00} fee each month. She told me that I should have known that I only had 7 days to respond ( no card ), and that fees applied immediately, as they had sent me that info in XXXX. I can not understand that. She would not inform me how many months this has been happening, nor would she agree that my request for a card less than 2 months ago constituted " contact. '' She did, unlike the first supervisor, give me a phone number for the state. 
I called the Dept of the state, and they have no record of that money being sent to them. I was informed that Chase should have waited 12 months after my contact in XXXX XXXX. I was unable to provide the state with a date for the alleged funds transfer, as neither supervisor would provide me with that or other information I requested. 
The state 's department is working to find it through their research department, but in light of the conflicting answers I got from 2 supervisors at Chase just this morning, and in case they are still holding my money and continuing to deduct fees from, I believe I need to initiate a complaint.

Company response to consumer: Closed with explanation