Consumer complaint received 2015-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with Chase Bank approximately 2 years prior to XX/XX/2013. I had a fradulent activity take place on my account for {$1900.00} for some person in XXXX. I do n't know how this person got my account number. However, they wire transfered them funds into my account. I had regular activity going into my account that excited well over 2500 monthly, XXXX check through direct deposit and the other check was deposited weekly. I went to the bank to withdraw my monthly earnings and was told by one of the customer representatives did I have some unexpect fraudulent activity take place on my account but, she told me that it should not be a problem they just had place a hold on my account and she asked me to see one of the tellers in the branch. So I went to them she told me that she would investigate it and she did and told me that they were closing my account with no answer as to want happened because she gave my the {$300.00} and something dollars that I had left available on my account. Later, I received a text message from the bank telling my that I was negative {$1900.00}. from a wire transfer another representative told me. And I asked her how that could be I did not give another my account information other than my employers to do direct deposit on my account. She told me that I would have to clear it up. So a few days later they received one of my direct deposits from social security for {$1300.00} and then the other check I could not deposit because my account was close and I did not have the remaining XXXX to place into the account because they ate all of my bill money. So I called them up and told them that I was going to resolve the balance because I did not want any problems with them being reported to any collection agencies. This representative assured me that as long as I paid that everything would be okay and I could open up another bank account anywhere else because they were not going to report me. I asked her about timeframes and she told me that as long as I kept open lines of communication with them I would be okay since this was not my fault. She told me that I could file a police report but I told her that I did n't know who this person was in XXXX because I did not have any friendship, relationship or any connection to this person that did that. Then she said that it was fraudulent which I told her that it was. Then she went into to telling me that this type of activity does happen to people and the bank works with you on resolving the problem to protect their customer. So I ended up paying it in full to the bank. They told me that I should not have any problems with opening a bank account and there would be no reporting of a problem. So I opened up a checking account with XXXX Bank and trust with no problem. I was there for a while and had no problems then they closed my account due to XXXX complaint from chase months later. Please clear this up chase. This is clearly not my fault I do not know anyone in XXXX.

Company response to consumer: Closed with explanation