Consumer complaint received 2019-10-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello all On XX/XX/XXXX, I entered the Chase Branch location around XXXX XXXX  with the intent to get a total of {$500.00} in checks for an earnest money deposit on a house that I needed to submit that day. 

Here is the scenario : -I withdrew {$500.00} from my credit union account at the chase atm inside the branch. There was a hostess that assisted me and began to lead me to the teller. There were about 2 other patrons in the branch at that. I only had a wallet and small jacket in my possession as I approached the teller. 
- I let the teller know that I need a total of {$500.00} made into two checks, but then realized my account was over drafted and wanted to settle that as well for a total of 3 transactions. Since I took out my daily withdrawal limit of {$500.00}, I asked the teller for options using my external debit card from my credit union. We decided to : 1 ) Deposit {$300.00} cash into my business banking account ( from the {$500.00} that I withdrew, leaving {$200.00} cash ) 2 ) Do a {$350.00} Cash advance from my credit union debit card and get it in the form of a check.

3 ) Give another {$150.00} cash ( from the {$200.00} left from the withdrawal ) get in the form of a check *One check for {$350.00} and one for {$150.00} totaling {$500.00}. 

-I recounted the {$500.00} cash, counted out {$300.00} cash and handed it to the teller. 
-The teller sat the cash down and requested to process the cash advance first from my debit card ( {$350.00} ) -After  handing the teller my card, she gave it back and left her station to get a marker because my card was not signed. 
- When she came back, I signed the card and waited on her to process the transactions - She then asked of the check amounts again and requested the money - I asked did she process the first check, as I did not receive a receipt of any transactions that have been done thus far - The teller stated that I did not hand her {$300.00} or any cash. 
- I reassured I did and requested video camera footage. 
-The teller began to be dismissive and pressing sternly that she doesnt know what to tell me. 
- She balanced her drawers and stated it wasnt there. 
- The teller then gave me two receipts, 1 for a cash advance of {$350.00} and other for a cash deposit of {$300.00}. And proceeded to exclaim that she deposited {$300.00} into my account and owed me {$50.00} cash. 
- I still can not account for the {$300.00} cash from my withdrawal that I handed her in addition to my debit card for the cash advance - I asked t to speak with a manager, the teller was rude and told me I needed to sit in the waiting area, I exclaimed this was a time sensitive matter and I was exceeding my lunch break. The teller began to say exclaim ; she doesnt know what to tell. 
- As I sat in the waiting area, there was not urgency to get the manager, I then explained to the hostess that this was an urgent time sensitive matter and she got the manager immediately. 
-The branch manager balanced the drawers and could not account for the {$300.00} but verified my transactions and accounts and agreed that it was indeed missing. 
- The Branch manager is saying that this can not be escalated because it is not an extreme circumstance and it will take 7 days to get camera footage. 

I am now short {$300.00} for my Earnest Money deposit that was due on XX/XX/14. I know this may not seem like a big deal, but it is beyond devastating to me as I may lose out on a property for me and my son. I am apparently at a check to check moment as I can not cover the missing money. I also am being docked pay at work for the extra time I spent on lunch because of this issue. There seems to be no resolution. Ive called the corporate number have been transferred to many departments and no one can escalate it. I have my receipts and documentation. I will be filing a police and small claims court case because of this. There seems to be not process or urgency for teller errors of small amounts and camera footage should be readily available to resolve such disputes. I am not sure how to resolve this matter but its has caused such distress and the teller was not reassuring. I am hoping you can help with this issue and getting the camera footage sooner than later so that I will not have to go through the process of court and police reports as I just want my {$300.00} back and dignity

Company response to consumer: Closed with monetary relief