Consumer complaint received 2016-05-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
To whom it may concern : I am filing this complaint against Chase Bank as I have been attempting to resolve a matter concerning an ACH withdrawal from my XXXX XXXX XXXX XXXX ( " XXXX '' ) in the amount of {$140.00} which apparently was transferred to a wrong Chase account. As a result, I have been dealing with this situation for three months with no resolution. As the chain of events are read, I 'm perplexed as there is no process in place for situations like this. I 'm certain I 'm not the first or will be the last person to be faced with this issue. Additionally, I realize the amount is minimal but at this point it 's the principle of not having a process in place and someone other than my son received {$140.00}. 
Chain of Events : 1. Took advantage of the process to send my son money ( a XXXX who resides in XXXX ) from my XXXX account to his Chase checking account via the XXXX XXXX vendor ( which was solicited through accessing my XXXX account ). This amount was for {$140.00} and sent on XXXX/XXXX/2016. The funds were immediately debited from my account. 
2. My son accepted the transfer and completed a profile with XXXX XXXX to complete the process. 
3. My son and I received notification the funds were available as of XXXX/XXXX/2016. However, when my son checked his account, the funds were never transferred as confirmed. 
4. I contacted XXXX advising of the issue and was advised the funds were successfully transferred, to wait a few more days, and call back if the funds are yet to be transferred. 
5. I waited and no transfer to my son 's Chase account. I called XXXX back and was advised I needed to contact Chase with tracking number, XXXX to see if they could track where the funds transferred. 
6. My son and I called Chase on a conference call and explained the situation, the representative confirmed the funds did not transfer and advised they could n't help. The representative suggested to file a claim with my bank ( XXXX ). I advised I took those actions already hence the reason for the call. The representative laughed and advised I must be clear on advising my bank I need to file an ACH claim. 
7. I called XXXX again and advised of the situation. I was then advised there was absolutely nothing they could do and I needed to call the vendor for resolution. 
8. My son and I called the vendor on a conference call and was advised they could n't assist with a resolution and I needed to call my bank and/or Chase. I advised both actions were taken hence the reason we are contacting them. The representative then advised they would attempt to look into it but unlikely they 'd be able to assist. 
9. My son nor I heard back from the vendor as advised, so I decided to send an online inquiry to XXXX requesting to open an ACH claim as I 've been going back and forth with all parties with no resolution. 
10. After several online inquiries, XXXX submitted a claim with the vendor for further research. 
11. A month went by without a response or resolution. I sent another online inquiry to XXXX and received a response indicating there was nothing the vendor could do and I needed to contact Chase for resolution. I advised again that my son and I went down that route with no resolution. The XXXX representative working my claim attempted to contact Chase directly but was advised there was nothing they could do unless possibly my son, myself, XXXX and Chase are on a conference call. I advised at this time with my son 's and my schedule it would be too challenging to attempt to coordinate such a call. Also, I 've spent too much time already attempting to resolve this matter with all parties as suggested. 
Which brings me to this point of writing a regulatory complaint for further review/resolution as I believe there should be a more efficient process and/or a process created to alleviate future cases for other customers.

Company response to consumer: Closed with explanation