Consumer complaint received 2023-01-04
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unfortunately I do not have access to my account to get dates and amounts as the bank has locked me out of my account. But I can give you details as to what has happened. 
I had an account with JP Morgan Chase. 
In XX/XX/XXXX I noticed some charges reversed from my XXXX XXXX XXXX XXXX XXXX XXXX 
I called the bank, they said they did not reverse charges. I called my auto lender and they also said they did not reverse charges and as far as they were concerned they were paid. 
XXXX of the other charges reversed was for a trip thru XXXX. I called XXXX customer service. They were ALSO unaware of any reverse charges and they also had not cancelled my reservation. 
I continued to called both vendors to make sure they still had their money. The week of XX/XX/XXXX my XXXX XXXX was repossessed. Of course I immediately called my lender XXXX. Which at that point they told me that they had multiple payments that were reversed so therefore I was behind on my auto loan. 
After multiple phone calls to Chase bank i was instructed to go to a branch. I went the branch that I originally opened my account. Manager told me she could not help me and that I needed to call customer service. 
The next day XX/XX/XXXX, I went into a different banking branch. The manager and teller were very helpful. At one point he was not getting off the phone until we had answers. 
At that time we were told that several claims were filed stating all the charges being reversed were claimed to be fraud charges. which is Absolutely FALSE. Especially considering i was the one that called asking about the reversal charges. 
The branch manager, at that point requested to escalate my case to corp office.

the manager provided a letter stating that the claims would be cancelled and all funds would be returned. 
I sent the letters to the auto lender. 
As time went on I noticed more charges reversed. One for XXXX XXXXXXXX, which is for our other auto loan. And another XXXX payment reversed. I immediately called Chase bank asking what was happening. They told me claims were filed again claiming these charges were fraud. We called XXXX XXXX  to let them know of the reverse charges. They were very nice about it. We have not had any problem with them since. 
I let the bank know yet AGAIN that these vendors were not fraud charges and that if you look thru our monthly charges you will see that there are multiple charges to both XXXX XXXX and XXXX. And If I was claiming fraud why would i being paying them multiple times a month? 

The letters that were sent to me stated that the vendors XXXX and XXXX would receive the funds back within 45 days. That was from XX/XX/XXXX. As of today XXXX both vendors have not received any funds back. 
I called the bank asking for status update. 
They told me that they received information that I was no longer doing business with XXXX and to not pay them. I asked where did they get this information as that was FALSE. They could not tell me where they got the information. I told them it was not from me. The person on the other end did admit that the information did not come me. 
I also found charges on my account that I did not make during this time that were fraud. I did file claims against those charges. The bank also admitted the charges were different and had nothing to do with each other. 
Fast forward to XX/XX/XXXX, XXXX still has not received funds. XXXX has charged me {$250.00} twice for repossession. 
I have called XXXX at corporate office multiple times ( XXXX ). He has called me once. I literally immediately called back and it went straight to voicemail ( XXXX ). 
I can not get answers. I can not get a proper return call. I can not get them to send back funds. Also when my account was closed I was in the positive {$520.00}. I have not received any kind of check for the funds. 
We work very hard for our money to pay our bills. This is affecting our credit and daily life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please help me get this taken care of now. 

Thank you. 
I am probably missing information. This stresses me out so much that at times I draw a blank when its right in front of me. I would provide dates and amounts for the transactions but I have been locked out of my account. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation