Consumer complaint received 2016-06-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX, I went to the Chase Bank on XXXX XXXX XXXX, in XXXX, NY, and made an ATM deposit of {$1600.00} into my Chase savings account. The ATM took the money but was slow to finish and confirm my deposit. It gave me a receipt, and on the receipt, instead of my account balance and deposit amount, it said the ATM was n't functioning properly and requested for me to call the XXXX number on the bottom to confirm my deposit. 

I called the number immediately. I spoke to a representative, told her the issue - that I just made an ATM deposit into my savings account and calling to confirm it ; she asked for my receipt number, ATM number, branch number and address. I provided everything that was on the receipt. She said she does n't see a deposit but will credit me the same amount and open an investigation. I was credited the {$1600.00}. I called the same number on XXXX XXXX to find the status of the investigation. I was told the investigation is still pending but the credit was for me to keep. 

But in XXXX, I saw that my account was negative.The bank debited the same amount that it credited, the amount I deposited but which was never deposited. The reason the bank offered was that in its investigation it did not find the money I deposited. I called Chase, spoke to someone, and the representative told me there 's nothing the bank could do without a receipt. I told her that I did n't have my receipt, lost it during my wedding week, but that I had it and even called the bank immediately following the deposit and provided information that was on the receipt. Again, the representative told me nothing ca n't be done without a physical receipt. But she suggested that I try to get a video footage that shows I made a deposit. I went to the police precinct to get a warrant for a footage. The sergeant told me I need a receipt or a physical that I made the deposit before I could get a footage. 

I did n't know what to do. I made the deposit, I had proof of it - the receipt, the phone conversation - but now I was charged with {$1600.00}. I did n't have the money to pay Chase and did n't know what else to do. I went to the same branch where I made the ATM deposit, tried to get the bank to re-check the ATM, but no luck. I was able to get a second investigation ( again by Chase bank, not a neutral third party ) and again there was no proof of my deposit. 

I did n't know what else to do. My savings account, which was negative, was closed and now I " owed '' Chase bank more than {$1500.00}. I did n't have the money and could n't pay the amount. Even if I had the money, I wo n't pay because I owed nothing. I made a deposit, was even issued a receipt indicating I made a deposit, and spoke to a Chase rep providing details on my receipt. I was n't going to be in debt on no fault of mine. 

In XXXX of this year, my husband and I opened a joint Chase account. On XXXX XXXX, XXXX, Chase more than {$1500.00} from our account to recover the amount I supposedly " owed '' from my closed savings account. We were so shocked because that was our rent money and money for my newborn ( I gave birth on XXXX XXXX. ) I called Chase, spoke to someone and told them I did n't give them permission to take money from my new account to recover an old " debt. '' I was told by a supervisor that I basically allowed them to do so when I opened a new account ; it was in the fine prints, and when I signed to open my new account, I basically allowed them the authority to do so. The amount was put back in my account but only if I agree to make monthly XXXX equal payments covering the full balance. Desperate and with no other options, I agreed. On XXXX XXXX, Chase took everything I had in my account : {$57.00}. And on XXXX XXXX, it took a {$100.00}. 
I do n't have the money to pay the bank for something I never owed. I have no income coming in. I have n't worked in 3 months. I 'm still on maternity leave. I need help.

Company response to consumer: Closed with monetary relief