Consumer complaint received 2015-12-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a Chase customer. I was very disappointed with Chase ' services twice. First was when I set up a payment on an auto insurance company ( XXXX ) on a specific date in which I am 100 % sure I will get enough funds on that day because it 's payday. When XXXX attempted to push thru the payment, the bank denied the payment. XXXX tried twice to get the payment but was denied by Chase, twice. I spoke to several Chase bank specialists and they were all saying that there are no trace of XXXX payment placed on that day. On the other hand, XXXX was claiming they attempted to get the payment twice on that day but was declined by Chase. I was caught in between and Chase did not help me resolve this issue, I ended up paying DMV a lapse of my insurance due to XXXX canceling my auto insurance. XXXX cancelled my insurance because Chase did not provide any proof that I have enough funds in that account. Although my bank statement shows that I did have the funds, but XXXX is not accepting it because they needed a letter head from Chase stating that it was a Bank error. Chase refused to help me with that. I was left unanswered with my confusion that time. A month later, I also have a tuition fee with a huge amount scheduled. I knew I did not have enough funds on the scheduled date and I did not have any opportunity to cancel the scheduled auto-payment since it was done online ( and no options were shown ). I was expecting that Chase would deny that payment since I did not have enough funds in bank, like what happened to the XXXX incident last month. To my surprise, my bank was overdrawn. The payment went thru. I did not understand what 's going on. I called chase again and they can not give me any answers. I had to undergo so many hassle just because of the same situation but with different solutions. Although Chase helped me to stop the payment made, they did not even apologize for this inconvenience. The second frustration i have for Chase was when they closed my account without giving me prior notice. They did not call nor email me with this matter. Today is Monday and also my payday, so I went to go shop for XXXX presents and was embarrassed by the counter upon paying because my debit card was declined. Ofcourse, I double checked my funds and I have {$400.00} available balance to spend. I called chase again and they were saying that my account was closed and they can not undo it because they needed my SSN verification. I opened my account about 5 years ago and they did not require my SSN. It 's very upsetting to return the gifts I was supposed to purchase because I was not informed about closed my checking account. When I spoke to the specialist, she was sarcastic and rude, as if she was annoyed by my inquiries. I totally did not understand why they have to close my account for that reason and without a notice. They said they mailed a notice but I did not receive any. And also, if my account was closed, why did my cheque was deposited to my account and why the teller in the Chase branch did not inform me about my closed account? My Chase mobile app is showing that my account is still active and I can still view my account activities and balance. There are no signs or ways that I can tell that my bank account was closed until I swiped my card. Imagine when I was at a restaurant and I had to pay the food I just ate. This is not fair. My complaint for chase is that they are not consistent and they are misleading their clients. They do not give proper information and notice. They do not provide good costumer services and they do not think of what the customer will feel or will go through because of their mistakes. I am not a happy camper here. This should not be happening.

Company response to consumer: Closed with explanation