Consumer complaint received 2022-11-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Upon balancing my account on XXXX, I noticed check # XXXX that I had written for {$500.00} to the XXXX as a wedding present was only paid out in the amount of {$5.00}. I immediately called Chase Bank about the error. They were not able to tell me if the XXXX received {$5.00} or the correct amount of {$500.00} and told me to contact the XXXX XXXXo find out. Upon contacting them, I found that they had only been paid out {$5.00} to their account. I called Chase back and was told that they would transfer the remaining {$490.00} owed to the XXXX and that the XXXX should have that money in their account in XXXX hours. On XXXX, {$490.00} was deducted from my account. On XXXX, I again reached out to the XXXX to see if they had received the {$490.00} and was told that they had not. So I again made a call to Chase bank and was transferred to claims/disputes. After several transfers, I was finally connected to a supervisor named XXXX in Claims. She contacted the Claims Department for Checks and was told that the money had not yet transferred to the XXXX as I had been promised and would not be transferred for another day or XXXX. Having been told XXXX false dates regarding this transfer, I asked if we could stop this transfer from happening so that I could take care of this on my own using a different means of payment to the wedding couple. I was already humiliated that I had had to bother the newly married couple about my gift XXXX times asking them to research this deposit. The supervisor XXXX talked to the Claims ( check ) person again and was told we could stop the transfer to the XXXX. I asked for proof of this transfer stop payment and was given # XXXX. I was told the {$490.00} would be back in my account in XXXX hours. On XXXX, I noticed the {$490.00} was not back in my account as promised and called Chase Claims again ( XXXX. ) I spent XXXX XXXX hours on the phone with Claims being disconnected twice, put on hold indefinitely, and transferred. I spoke with XXXX, Supervisor XXXX who hung up on me, XXXX, XXXX who hung up and XXXX ( a supervisor I was incorrectly transferred to who was in retail. ) On XXXX after being frustrated with the misinformation and disconnections, I called the branch where I opened my checking account in XXXX Ohio and XXXX with XXXX. She started a XXXX way conversation with a supervisor in Claims/Disputes for checks, named XXXX. XXXX said the money was in the XXXX account and that the transfer was not stopped as I had been told. She said she would start an escalation to reverse this and return the money to my account. XXXX said she would talk to her XXXX to start an additional escalation through their branch escalations and get back to me. Not hearing back from XXXX, I called the XXXX XXXX XXXX XXXX on XXXX. She told me to give it XXXX more days and I would for sure here from someone regarding these escalations. On XXXX after still hearing nothing, I called back to the XXXX Ohio XXXX and spoke to XXXX. She told me she was even frustrated with this. She also blamed me for not having Private Banking which she assured me that it would have all been handled better. I also was told it was my fault for even investigating the error and that I should have waited for the recipient of my {$500.00} check to notice they were not paid the proper amount. On XXXX, I again reached out to the XXXX for the third time and learned that the {$490.00} was still not in their account despite being told by multiple Chase employees that it was there. On XX/XX/14, I called Claims/Checks again and was connected to a supervisor in Chase Claims escalation named XXXX told her the {$490.00} deducted from my account was missing and not in the XXXX account as I was told. She told me there was nothing more they would do. I asked for some type of proof that the money had been transferred to the XXXX Bank so that the XXXX could call their bank and look for this misplaced money. She said she would not do that .How and why would the bank not be able to show me proof that this money they took from me was actually transferred as they said. I asked to speak with her supervisor and she hung up on me. When I contacted the XXXX XXXX, she said she would not do anything more to help and I need to talk to Claims. Throughout all of these conversations and escalations, I kept asking for something in writing such as an email to confirm what they had told me, but they said that is not their policy. I was told wrong information by Chase employees on phone calls multiple times which has resulted in me losing {$490.00}. Despite advising me incorrectly over 3 times, they will take no financial responsibility.

Company response to consumer: Closed with explanation