Consumer complaint received 2016-09-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am submitting this complaint today due to a disagreement that i had between Chase and XXXX XXXX XXXX, on XX/XX/2016 Chase allowed XXXX XXXX XXXX to withdraw the amount of {$180.00} from my account without my consent, i was never told that XXXX XXXX XXXX was going to take this amount from my account, because on XX/XX/2016 i cancelled all my services with them, and they were charging me this as a penalty and i was told that i would only have to pay this if i wanted, but i assured them that i would pay it but not at the moment, and i also told them that they could not access my card anymore because i was no longer their customer, and they said that i was correct that they would n't have any more access to my card, they also told me that they would be mailing me my information with the amount that i had to pay, but i never got this, so they went ahead and submitted the payment and chase allowed the transaction, making my account go overdraft without my knowledge. I got a notification on my cell phone saying that my account was overdraft, as soon as i saw that i checked and it was because XXXX XXXX XXXX had taken money from my account, so i called chase and asked what was going on because XXXX XXXX XXXX should n't have had access to my account and their response was to contact XXXX XXXX XXXX. Once i got off the phone with chase i contacted XXXX XXXX XXXX and the person told me that they would put the money back into my chase account but when he tried he said that he could n't because it had been more than 72 hours, that i had to do this process with my ban/k presenting a dispute, after talking to several chase departments they ended up saying that it was their fault because they reflected the transaction 4 days later, and they also said that they would submit a dispute and that they would put the same amount that XXXX XXXX XXXX took from my account so my account would n't overdraft again, and once the problem was solved and XXXX XXXX XXXX had put my money back that they would take their money back. Today XX/XX/2016 i got a notification that my account went overdraft again, and when i checked it was because chase took the temporary money that was put into my account, and they were not supposed to do this until the issue was solved, once i called chase to see what had happened again they said that they could not do anything about this that i had to get in contact with XXXX XXXX XXXX, when i called them they said that they are willing to put the money back into my account but that it had to be through my bank, and they also told me that chase never filed an investigation for this issue because if they did they would 've noticed that i no longer had active services with XXXX XXXX XXXX so they were n't supposed to allow that payment to go through. I called chase and told them the information that XXXX XXXX XXXX told me and they said that they could n't do anything about it and that i had to pay the {$180.00} and that i also had to pay the overdraft fees, they did n't look for another solution to help me or anything, and even if i wanted to pay the money and overdraft fees i could n't because i do n't have that amount of money right now. I took the time to write this because i need someone to solve this issue and i hope that it will get solved because i do n't think that this is okay.

Company response to consumer: Closed with monetary relief