Consumer complaint received 2015-11-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/15 I deposited a check in my account for XXXX in my chase account. The receipt said the deposit would be made available on XXXX/XXXX/15. I check my account on XXXX/XXXX/15 and it showed a positive balance of XXXX. On XXXX/XXXX/15 my account was showing negative XXXX. I called and spoke to XXXX who stated to me that their was a glitch in the system and the day and time I made the deposit. I told her XXXX/XXXX/15 at XXXX. She apologized to me that the glitch threw off the deposits they were working to get the matter address and to keep checking back. XXXX/XXXX/15 my account is negative XXXX. I called and spoke to a male supervisor in the internet deposit and he told me that. The check was submitted same day for payment although the funds were available the next day on my receipt. I asked him why would the check issued for payment for same day when the funds were not available until the next day. He stated to me that I should have waited until XXXX at nite or until the next day or went inside a branch. I hung up on him and called back around XXXX on XXXX/XXXX/15 I spoke to XXXX in customer service who instructed me that the payment was submitted to the clearinghouse on Thursday and they sent a response back on Friday stating that the funds were not available from the other account which cause my account to go in the negative and every other transaction. XXXX stated that they ( Chase ) would wait until XXXX XXXX/XXXX/15 for payment on the check. I asked her is that the same day the system glitch she said yes. I explained to her that I have an overdraft alert setup to text me but did not receive an alert until Saturday at XXXX. I then asked her how come that I did not receive an alert on Friday then. She stated to me to have the party who wrote me the check call and speak to customer service and then give a call back to get my fees credited back to my account. I called my boyfriend and informed him that XXXX stated for him to call in to chase to verify his direct deposit and to check if the funds were available since their was a system glitch on the same day his deposit should have taken place. He called and spoke to a representative and called me back. I asked him for the name of the customer service rep which he did not get. However she instructed him that they canceled the check because of the glitch and for me to call back and to inform the customer service rep when I call back of what she said. I called back and I spoke to XXXX who then transferred me to XXXX. Who now is telling me that XXXX what XXXX told me is not true. She stated that payment was submitted on Thursday and on Friday they returned the check. When I deposited the check I should have waited until XXXX that nite or the next business day and then the check would not have bounced. I asked was the funds submitted for payment on Friday and she stated that the payment was submitted on Thursday and the funds were not available on Thursday so they returned the check on Friday. I asked why did n't I receive an alert on Friday and she stated that their system was still reflecting a positive balance and so on Saturday after the fees were assessed that is when I would receive an alert. I asked her again was the check submitted on Friday and she said yes. However, because the funds were not available they would assess the fees. I asked her again is n't that the same day the system glitch and she said yes. I asked her so how can chase charge me for a check that was presented on Friday when the funds were available in the other account, But again you tell me that the system glitch. I told XXXX that I can not be liable from day one. If when I originally spoke to XXXX on Saturday and she informed me that the check bounced due to NSF on the other account. Then I would have corrected my account to bring it positive. Instead of constantly incurring NSF fees.

Company response to consumer: Closed with explanation