Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TO WHOM IT MAY CONCERN : My name is [ TEMPORARILY WITHHELD FOR PRIVACY CONCERS ]. I am a XXXX NY resident for 25 years. Presently, I am a retired senior with XXXX  XXXX. I reside with my spouse, who is also XXXX, and we both live on a fixed income. 

My spouse [ TEMPORARILY WITHHELD FOR PRIVACY CONCERS ] -- and I each hold a checking account at the JP Morgan Chase Bank. Our retirement income payments are directly deposited to those accounts. 

I strongly believe that I must find justice and support in my dispute with the JP Morgan Chase Bank over the following incident : on XX/XX/2021 this financial institution impudently stole {$500.00} of my monthly retirement payment deposit, and attempted to steal another {$500.00} from my wifes Chase Bank account. 

On that date, the same amounts of {$500.00} each were electronically withdrawn from my wifes and my checking accounts by an unknown party. The withdrawals data indicates that these transactions took place at a XXXX XXXX and XXXX XXXX XXXX Branch of the Chase Bank ( XXXX XXXX  XXXX XXXX, NY XXXX ; ( XXXX ) XXXX ). I must state that we never ever share our account information with any unauthorized parties or give away our Chase debit cards. Also, we DID NOT have our Chase debit cards ever misplaced or stolen from us. 

However, neither my spouse nor I myself had made these withdrawals. We were not at that branch on XX/XX/XXXX. We were not out of our home on that day. Neither one of us had any idea that the transactions in question were taking place. The bank did not warn us of any potentially unauthorized activity affecting our checking accounts. 

I noticed my checking accounts balance discrepancy on XX/XX/2021. On the same date I have spoken regarding this issue with a Chase Bank representative at the XXXX XXXX branch that I visit often. My spouse called this banks help line on XX/XX/2021 at XXXX XXXX ( XXXX ), and held a conversation with two telephone support representatives for about 41 minutes. In both cases, the Chase Bank representatives promised us to look into the missing funds issue. As an interim result of our complaints, the bank agreed to make a funds reversal ( XX/XX/2021 : Reversal : ATM WITHDRAWAL [ TEMPORARILY WITHHELD ] XXXX Claim Id : [ TEMPORARILY WITHHELD ] ) in the amount of {$500.00} pending what they promised to be an investigation. My spouse received a similar funds reversal ( XX/XX/2021 : Reversal : ATM WITHDRAWAL [ TEMPORARILY WITHHELD ] XXXX  Claim Id : [ TEMPORARILY WITHHELD ] ) with a decisive promise of a thorough investigation. 

However, the bank committed a claim reversal transaction against my checking account by taking away the initially returned {$500.00} ( XX/XX/2021 : Claim reversal : ATM WITHDRAWAL [ TEMPORARILY WITHHELD ] XXXX  Claim Id : [ TEMPORARILY WITHHELD ] ). Following this event I received a letter from the Chase Bank where it was stated that their investigation found no fault on the part of the bank, and also they were ready and able to provide me with documented, hard copy proof of their findings. 

But, please pay attention to this fact : the bank DID NOT perform a claim reversal operation against my wifes account. Therefore, somehow their investigation discovered that the sum of {$500.00} initially missing from my spouses account were evidentially a result of the banks fault. They did not send my wife any correspondence that would explain this decision of the banks investigators. 

So, although neither my wife nor I withdrew the sums of {$500.00} each, and neither one of us even left our residence at any time on XX/XX/2021 when this incident took place, the bank somehow found enough proof to punish me, but found no proof against my wife, while neither one of us has any relation to those unauthorized withdrawals. And for both of those transactions, the bank could provide any documented evidence. 

As a result of the bankers baseless and incoherent decision-making, I had to send three consecutive written requests to the Chase Bank using their own Secure Messaging system in which I clearly demanded from their party to send me those proof facts, evidence, and whatever else they could share with me regarding that investigation of theirs. They claimed being able to furnish such documents. The Chase Bank representatives responded to two out of three of my requests stating that they had actually mailed the proof, facts, and evidence to me. I did not receive any such correspondence or any proof of mailing of those documents, if they ever existed. 

I have given plenty of time and opportunity for the Chase Bank representatives to work this issue out, to fulfill any of their documented promises, and to treat me and my claim with respect. But it is obvious that the bank in question will not stoop so low as to bother helping their client in this situation that makes Chase Bank appear as a highly disreputable joint. 

This bank is well-known for making frequent errors at times involving thousands of their clients. Either a bunch of accounts balances suddenly become nullified, added or reduced ( XXXX  : XXXX ). Or some Chase Bank client accidentally receives nearly a whole BILLION of dollars erroneously deposited by that bank ( https : XXXX ). Making a {$50.00} XXXX accounting error is no big deal, either : ( XXXX : XXXX ). 

Therefore, I believe that I deserve this injustice done to my family straightened out ; I want my {$500.00} to be returned to me. I want the representatives of Chase Bank to explain whether some of them have been covering an internal banking error or an actual fraudulent activity. Please, help me reach these goals that I very much deserve.

Attached you may find copies of all case-related correspondence between me and the bank.

Thank you for your kind attention.

Sincerely and with best regards, Yours Truly.

Company response to consumer: Closed with monetary relief