Consumer complaint received 2016-09-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I would like and investigation into my Chase bank account number XXXX. XXXX XXXX I realize that there had been a return check in the amount of {$3000.00} submitted to my account, which myself and my husband did not write. After a long research and investigation, myself it was learned through Chase employees that chase Bank decided to issue a {$3000.00} payment to XXXX XXXX which I did not owe. XXXX XXXX, XXXX I spoke to XXXX in Chase claims check forgery to requested that my account be placed in a suspension state until this matter has been resolved to avoid any transactions and additional fees to occur, I was denied. 
I obtained services from XXXX XXXX in XXXX. Upon XXXX XXXX realizing that I planned to use my insurance coverage to pay for my treatment the original bill of {$3000.00} increased. I refuse to pay the bill and disputed the amount with them. I made a dispute to the Consumer Financial Protection Bureau as well as made a complaint against their attorney to the XXXX. This dispute went on for over a year and XXXX XXXX refused to adjust the bill to reflect the correct amount that was owed. XXXX XXXX created fraudulent documents and forged my signature from a computer-generated app onto paperwork to reflect the price that they claim are owed. 
I informed XXXX XXXX that I would pay them the amount due but I would not pay them the inflated amount of what they were attempting to charge me which is the additional {$3000.00} over and above what they had already been paid. 
In an attempt to release XXXX, my insurance company from this dispute because this claim was over a year old and it did not appear that it was going to settle any time soon I had them to release my check in the amount of {$7800.00} which I took to Chase bank and cashed in XXXX of XXXX. This check was made out to myself and XXXX XXXX. I endorsed the check and deposited the check into my Chase Bank account. 
In XXXX of XXXX XXXX XXXX contacted Chase Bank, my banking Institution, and proceeded as though chase bank was their bank and my account was their account and requested {$3000.00} from the {$7800.00} check which they claim I owed them. It is unclear to me why Chase Bank would violate my privacy rights and disclose any information about my bank account, my deposits, or any of my personal banking information and involve themselves in a private dispute. Chase Bank made an unauthorized transaction from my account to pay someone an amount that is not do and owing, AND FAILED CONTACT ME. As of the date of this letter which is XXXX XXXX I have still not received anything from Chase and writing in reference to their investigation or they 're sending a {$3000.00} payment to XXXX XXXX. 
Chase performed these actions without contacting me, notifying me or including me in an investigation that went on for over 30 days regarding my personal checking account, Chase Bank determined that from the {$7800.00} check, {$3000.00} was owed to XXXX XXXX. Chase Bank sent chiro XXXX a check from my account in the amount of {$3000.00} which was returned due to insufficient funds. This put my account in the negative status {$2900.00}. 
I spoke to approximately XXXX different chase employees in an attempt to settle this matter and to get my account credited back so that it would not be in a negative. They refuse to correct the account therefore causing additional items to be returned and nonsufficient funds fees added to my account. Chase Bank has violated banking laws and Bank policy and procedure. Chase Bank has no legal authority to make a determination about an alleged dept that is in dispute. 
I am very concerned that any third-party can contact my bank, claim that I owe them, present documentation that has not been validated and authenticated to substantiate their claim, then have my bank intervene when my bank is not party to the action. This should have been handled as a civil matter, and not by Chase.

Company response to consumer: Closed with explanation