Consumer complaint received 2017-02-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Sir, I am a senior US citizen XXXX XX/XX/XXXX, holding an A/c in JPMorgan Chase Bank N.A . 
I am submitting this complaint related to an UNDISCLOSED and DUAL charge of {$27.00} for the same transaction by the Chase Bank, in addition to their DISCLOSED transfer fee of {$15.00}, the transaction being an inward wire transfer dt XX/XX/2017 of amt {$9800.00} from XXXX. 
Prior to the wire transfer, I telephonically asked Chase Bank for their Swift Code ( XXXX, I was informed ) and their wire transfer fee ( {$15.00}, as DISCLOSED to me ). I conveyed the Swift Code to XXXX, who confirmed a wire transfer for {$9800.00} was made by them on XX/XX/2017. 
Although I expected a credit of {$9800.00} ( {$9800.00} less transfer fee {$15.00} ), I was credited only {$9800.00} in my above Chase A/c. There is, thus, an obvious discrepancy of {$27.00}. In response to my numerous inquiries, Chase Bank repeatedly told me that {$27.00} may have been taken by XXXX or some intermediate agency. I made two visits to my Chase Bank Branch and met Vice President XXXX and made numerous calls to their Service Line XXXX. I am sure Chase Bank would have a record of all my conversations, since they all took place on their recorded lines. 
As I could not get any convincing or credible explanation from the Chase Bank staff, I contacted XXXX. I spent considerable time and money ( nearly {$50.00} ) on calls and communications to different officials of the XXXX in order to get at the truth. At my request, XXXX reconciled and tallied all the wire transfer records of XX/XX/2017 with JPMorgan Chase NY and told me in no uncertain terms that they had transferred {$9800.00} to Swift Code XXXX on XX/XX/2017. 
On XX/XX/2017, I rang up the Chase Wire Transfer Dept ( XXXX ) and spoke to XXXX, XXXX and finally their Escalation Supervisor. I asked them just one question - " Does Swift Code XXXX belong to any institution other than JPMorgan Chase Bank N.A., such as any of their subsidiaries or affiliates? ''. Their answer - " No ''. 
Faced with this unambiguous information, the Escalation Supvr told me that she would tell the Customer Service to credit Transfer Fee {$15.00} to my A/c, but did not commit to the UNDISCLOSED/DUAL overcharge deduction of {$27.00}. 
I made one last effort on XX/XX/2017 by calling ( XXXX ). I spoke to XXXX, XXXX and Supvr XXXX. I, even, drew their attention to the online Chase Bank A/c entries pertaining to XX/XX/2017, showing {$27.00} deduction by Chase Bank before the second deduction by them of transfer fee {$15.00}, and also informed them that XXXX, by law, can deduct their fees in XXXX only ( not in any foreign currency ). But all this to no effect. Hence this complaint to you. 
Sir, my main complaint refers to the UNDISCLOSED and DUAL charges {$27.00} and therefore I request your intervention to get a refund of {$27.00} by the Chase Bank. And if you deem it appropriate, I further request that Chase Bank should desist from charging UNDISCLOSED and DUAL fees from customers. 
Thank you for your consideration and help. Kind regards. 
Yours faithfully An Affected Senior Citizen

Company response to consumer: Closed with monetary relief