Consumer complaint received 2015-06-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On Friday, XXXX XXXX, 2015 I viewed my Chase Bank online banking statement and discovered that on XXXX XXXX, 2015 Chase Bank paid {$39.00} from my personal checking account on the basis of a fraudulent check that had no signature at all in the signature block and no payee name in the payee block. This debit was identified on my checking account statement merely as " Check XXXX. '' Since this check number fell outside of the range of the supply of personal checks I was using, and there was no additional identifying information about the payee, I opened the " View Check '' option and discovered the appearance of the fraudulent check. A copy of the fraudulent check and my notarized Affidavit advising Chase Bank of this fraud are attached documents to this claim. 

I immediately phoned the Chase Fraud Hotline on XXXX XXXX, they viewed the check and confirmed that it was fraudulent and immediately closed that personal checking account and instructed me to go to their nearest branch ( the " XXXX Branch '' ) sign a notarized Affidavit of fraud, and open a new checking account to replace the XXXX that was closed. I was assured by the Chase Fraud Department representative that no further charges directed against my closed account would be charged to the new account that I was to open, but that all recurring automatic debits such as my monthly XXXX payment, my XXXX monthly pension payment, and my monthly commission payment from XXXX would AUTOMATICALLY be paid to my new account on XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ). 

On XXXX XXXX I went to Chase 's XXXX Branch and spent over XXXX hours while Chase personnel opened the new account and had me sign a variety of documents including the attached Affidavit. Chase personnel at the XXXX Branch also assured me that all recurring automatic debits such as my monthly XXXX, my XXXX monthly pension payment, and my monthly commission payment from XXXX would AUTOMATICALLY be paid to my new account on XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ). 

On the morning of XXXX XXXX I opened my Chase online checking account statement and discovered that the balance only amounted to {$12.00}. Since I had matters to deal with in XXXX XXXX in the afternoon of the same day I visited the Chase Branch at XXXX XXXX and XXXX XXXX and met with a bank representative and the Branch Manager to complain that the XXXX and XXXX deposits had n't been credited to my new account as had been promised. After phoning other Chase departments they informed me that they received the XXXX payment of {$390.00} but had left the funds in Chase 's General Account on XXXX XXXX but had not deposited the funds to my new checking account, nor would they do so for an indeterminate period of time. And, even though I presented them a document XXXX had mailed to me stating unambiguously that my XXXX 2015 XXXX of {$1700.00} would be credited to my checking account no later than XXXX XXXX the Chase personnel denied that there was any record of such payment. When I then threatened to phone my local police precinct and report Criminal Conversion of my funds ( i.e. Theft ) the branch manager stated that he would arrange to have the XXXX deposit of {$390.00} credited to my new checking account immediately. When I left the branch at XXXX XXXX, over XXXX hours later, I checked the balance in my new checking account via their ATM machine and I obtained a printed receipt showing the balance to still be {$12.00}. Subsequently the XXXX deposit that was to have been credited to my account on XXXX XXXX was credited on XXXX XXXX after repeated complaint phone calls to Chase 's customer service number and the XXXX deposit of {$1500.00} that was to have been deposited on XXXX XXXX was n't deposited until XXXX XXXX, again only after repeated complaint calls to Chase.

Company response to consumer: Closed with explanation