Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
JP Morgan Chase Bank is withholding {$150.00} from me. On XXXX XXXX, I used the online Chase account website to wire an application fee to a Hungarian university in XXXX ; the fee is XXXX XXXX, and so my exchange rate plus {$5.00} wire fee came to {$170.00}. XXXX never received the money, and on XXXX XXXX, the wire was reversed ( Chase has in the memo line " No Reason '' ), and the total I received back was only {$120.00}. I did not prompt this reversal ; the XXXX university did not prompt this reversal. Chase therefore owes me {$55.00} for that transaction ( or {$50.00}, since I consented to the {$5.00} fee ). 
I went to the bank to inquire about why it was reversed, as the university was expecting my payment, and I thought it had gone through. The Chase teller couldn't see any reason it was reversed. I asked her to now send two wires : resend the application fee ( XXXX XXXX ) and now an exam fee ( XXXX XXXX ). She said that she would be happy to, but there are $ XXXX fees for her to provide the wire service. I declined and used the online portal again on XXXX XXXX to send XXXX and XXXX XXXX ( {$160.00} and {$110.00} respectively ). On XXXX XXXX, the second application fee was reversed with the reason " Beneficiary Bank, '' and I received only {$110.00} ; Chase owes me {$50.00} for this, allowing for the {$5.00} transfer fee that I consented to pay. On XXXX XXXX, the exam fee ( XXXX XXXX {$110.00} ) was reversed with the reason " No Reason, '' and I received only {$55.00} ; Chase owes me {$50.00} for this as well, accounting for the {$5.00} fee I consented to pay Chase to send the wire. 
On XXXX XXXX, I spent XXXX hour and XXXX minutes on the phone with the customer service teams of Chase XXXX Online Banking after asking the local teller to help me. The local teller told me those $ XXXX charges should not occur, and she verified with a fellow teller and her XXXX before giving me the Online Banking number. 
The Online Banking team transferred me three times until I was speaking with XXXX from the XXXX XXXX XXXX ; she took her time to look through my case, and told me that Chase had nothing to pay me ( this was the third person who told me this ). She gave me case numbers to dispute this online via the same portal I used to transfer my wire payments, but Chase 's final decision from the phone call was that the Hungarian university had no relation with the bank to which my payments were sent, and that the XXXX XXXX Treasury deducted fees because of this, then sent the remaining amounts back to Chase, who forwarded them on to me. 
I have written verification from the university that the university does in fact have a beneficiary bank in place, and I have written documentation also that they never received my Chase wire transfers. I verified the university 's banking details that I'd used in my Chase wire transfers before sending the same fees via a banking app called XXXX. The XXXX university received these fees without issue ; again, I used the same details. 
Chase is the only variable in these transactions that could logically withhold {$150.00}. My recipient contacts checked for my transfers each weekday after XXXX XXXX until I found the reversals in my account on XXXX and XXXX XXXX. Chase reversed my XXXX wires without my consent only to charge me over {$55.00} apiece for their reversal ; none of those XXXX reversals was initiated by me or my recipient. On XXXX of XXXX reversals, there is " No Reason '' given, and the third, citing " XXXX Bank, '' is clearly incorrect if not a lie. I only want my own money back. Chase stole it.

Company response to consumer: Closed with explanation