Consumer complaint received 2021-05-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hi, On or around XX/XX/2018 I took out a loan with XXXX When I took the loan out, I planned to pay back in two payments. I was mislead by the loan officer manager of the store that if I paid it back in two payments that I would only be charged XXXX for interest. While going over my budget, I looked at the loan and realized that I had been misled. At this time I decided to deal with this repayment outside of my bank account at chase and informed XXXX  that they were not authorized in my account and that I had been misled by their store manager. I called chase bank and told them the situation and proceeded to make stop payments on XXXX. I told the cs Rep that I did not want XXXX in my account, that I had retracted my authorization from them and that I did not want them in my account under any name, and I gave him the names on my paperwork. He told me that if they got through, to call immediately and that my payments would be stopped. Between XX/XX/2018 and XX/XX/2018, chase allowed three payments of XXXX and other varying amounts which XXXX XXXX XXXX had tried using in order to get around my stop check, to go through. I called as the cs rep had told me to do and I ended up talking to a chase rep that acted like I was a criminal and who told me that chase had contracts and had to honor these checks. I explained to her that this is my account and that those payments were no longer authorized and had not been for weeks ; she continued to question me about my business with XXXX. She knew that I had put stop checks, she knew that my business with XXXX XXXX had zero to do with chase any longer and she continued to tell me that there was nothing they could do about the large amounts of money they were allowing this unauthorized company to take from my account. After calling them two more went through my account without even pending, so I continued to call, desperate to speak with someone at chase who would do the right thing and no have this company no longer in my account. I was told the only way to stop them was to close my account which I could not do because chase had paid them into the negative. They kept paying out to this company even when I did not have funds and even though they were not authorized. The csr who was acting like I was the fraudster sent me to a woman named ( I think XXXX XXXX who berated and XXXX me trying to catch me in lies which she continued to say to me over and over, that I was lying. She alone, was personally responsible for me missing a mortgage payment and eventually costing me thousands of dollars. I called chase many times during these days and spent countless hours on the phone trying to get to someone above XXXX to no avail. Even overseas csr would all send me back to her. She told me that there was no one above her to talk to more than once. Finally I quit depositing my money into my chase account that I had for almost two decades because they refused to stop letting this company dip into my account. When they called to collect the money they had themselves overdrawn, I explained to them the situation. I told them that I would pay them the couple of hundred dollars that I owed on fees but that I would not pay back the money they sent unauthorized to XXXX  which added up to three payments of XXXX. 

Now, almost three years later I have still not gotten my money back from these unauthorized transactions or even an apology from chase. They closed my account and are now reporting me to banking credit companies like XXXX XXXX and are still trying to collect on this bogus negative balance that they created. They are costing me thousands to thousands of dollars on insurance increases ; and the embarrassment of still being treated like a criminal when the people in the fraud department at chase were the actual fraudsters is ongoing. 

I would like for chase to refund to me the XXXX that they stole from my account and for them to remove any and all negative reports as well as to stop collections on these unlawful actions they have taken against my account and my reputation.

Company response to consumer: Closed with explanation