Consumer complaint received 2023-03-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX {$2100.00} was removed from my checking account by Chase Bank and the transaction was labeled as COAL. I didnt notice this large amount was removed until XXXX when I saw I was about to go into overdraft. I called the fraud department of Chase immediately and they couldnt even tell me what it was at first. Was transferred around and then told COAL was the CA tax board and claimed they had court order to garnish or take {$2100.00} from my account to settle a tax bill I never received in XXXX - 7 years ago! I have been the victim of identity theft before previously with Chase on the same account couple years ago my debit card # was used to buy {$700.00} worth of stuff at a XXXX XXXX in Wisconsin. I received a text from Chase asking if this charge was mine it was not. I was asked to call Chase and confirm the charge was fraudulent I did. I then received email and letter from Chase informing me the situation was resolved and I was not charged. Other incidents of identity theft too resolved in similar fashion and account number changed. This DID NOT happen in this incident in XXXX and for a much larger amount which has devastated me financially. Chase LIED to me on the phone repeatedly and said I was notified of the impending transaction of the massive withdrawal. I was not. Had I been notified of this garnishment I would have resolved immediately. I asked them HOW I was notified and she said we sent you a letter. I never received a letter - there is no record of this occurring unless it was lost in the mail in which case I was NOT notified. No text, no call, no email and no letter, and NO notification even on the Chase app. They had used all of those means of communication BEFORE for a suspicious transaction on a smaller amount of money so why keep me in the dark on this? I understand it is not legal to take someones money without permission and without even notifying someone so they can respond with the appropriate resolution. Chase claims a judge in CA authorized the withdrawal in a court judgment that I was NOT notified ever on! How is that legal? I was homeless in XXXX and had no forwarding address and they claim the judgment was returned to them via mail but my phone # and email address NEVER changed. So they waited 7 years to find me at Chase Bank when in XXXX I was with XXXX XXXX. And in fact XXXX XXXX was the one who paid those state taxes at the time of the transaction of my dads inheritance! I had NO idea they were pursuing this case and so how can it be legal for Chase to withdraw {$2100.00} out of my account without confirmation that it was a legitimate debt in the first place?? The ONLY way to resolve this was to have Chase NOTIFY me of the impending withdrawal from a dubious claim of judgment against me that I had no knowledge of. So they claim I missed the 10 day window to stop the transaction because I was sent a letter I never received?? Seems to me the law and standard banking procedures were not followed here and Chase needs to pay me that money back ASAP they take millions in overdraft fees per day because of stunts like this sending people into overdraft even when they are on XXXX and barely scraping by. They have ripped me off and I continue to suffer because of the loss of {$2100.00} was to keep me going for several months now my XXXX check is about equal to the amount of overdraft I am in. This is outrageous and unacceptable.

Company response to consumer: Closed with monetary relief