Consumer complaint received 2023-02-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
TO THE CONSUMER FINANCIAL PROTECTION BUREAU I am not treated fairly by Chase Bank. I am a victim of bank fraud. I own a Checking account. I submitted an application to a loan company who looked legal name XXXX XXXX XXXX. There are numerous offices in the United States. The loan was approved for {$7000.00}. The loan company asked for personal information my checking account number and routing number. The crooks name XXXX XXXX and XXXX XXXX said on the telephone in order for the loan company to deposit funds I must submit the bank information. I never requested a loan online. I do not know what the procedures are to receive a loan. XXXX said before he makes a big bank deposit he must be certain that I am XXXX XXXX and the Checking account is legal. He said he was depositing a small amount of money {$1000.00} - {$2000.00}. I would then go to the XXXX and purchase XXXX XXXX gift cards and return the money he submitted into my Checking account. I purchased the XXXX XXXX gift cards. He said to purchase a {$500.00} and a {$450.00} XXXX XXXX gift cards. He asked for the numbers on the back of the cards. One hour later he said he was making the {$7000.00} loan deposit. He then said there was a problem with the XXXX XXXX cards to purchase two more XXXX XXXX cards. {$480.00} and {$490.00} XXXX XXXX cards. I purchased the cards. The total amounts for the gift cards are $ XXXX XXXX XXXX said there are no refunds on XXXX XXXX gift cards. 

When I returned home from the XXXX I checked my Checking account because the funds were available to purchase the XXXX XXXX gift cards. I had {$13.00} in my Checking account so I thought XXXX XXXX the XXXX deposited funds into my Checking account to purchase the Game Stop cards. I receive a Social Security check each month. He asked me if I owned a car. He also said don't behave too needy when I go to the XXXX to purchase the gift cards. I thought his comments were strange. 

I looked at the Checking account and I was shocked when I saw adjustment/reversals in my Checking account on XX/XX/XXXX of payments I sent to the Landlord and to the Stores in XX/XX/XXXX. The amounts were credited to my Checking account. 
A total of {$3000.00} adjustment/reversals by Chase bank without my authorization and consent. The crooked fraudulent loan company called the Claims Department and reversed numerous payments I sent to merchants on XX/XX/XXXX. 

The crooked loan company never deposited funds in my Checking account. It was wrong for Chase bank to make adjustment/reversals into my Checking account. The crooked loan company called the Claims department. How can payments be reversed by so many merchants in one day. That was a red flag. The crooks reversed payments I sent to the Landlord for {$2000.00}, a XXXX XXXX XXXX XXXX for {$660.00} and {$270.00} for a XXXX tree purchase at XXXX XXXX XXXX. 

I asked Chase Bank to return the money to the merchants because the amounts I paid in XX/XX/XXXX and XX/XX/XXXX was taken from the merchants. Chase Bank refuses to return the {$3000.00} XXXX to the merchants. 

Chase Bank is also not returning the Checking balance that is owed to me. 
I am going to attach my Checking account information. 

On XX/XX/XXXX Chase Bank was sneaky and did adjustment/reversals for a total of {$3000.00} that I paid to the merchants in XX/XX/XXXX and XXXX XXXX Bank should have XXXX XXXX measures on who is filing claims to reverse payments sent to merchants one - two months ago. 

There should be voice recognition to check who is calling to file false claims. 
The loan company who filed false claims was crooked. I REPORTED XXXX XXXX XXXX XXXX XXXX TO THE FBI. I AM GOING TO ATTACHED THE FBI REPORT AND A COPY OF MY CHECKING ACCOUNT. IT IS A FEDERAL CRIME TO DEFRAUD A BANK. 

The Chase Bank adjustment reversal of {$3000.00} should have a deduction of {$1900.00} for the XXXX XXXX gift cards of {$1900.00}. The crooks requested the XXXX XXXX gift cards. I went to the XXXX to get a refund. The XXXX said there is no refund on Gift Cards. The {$1900.00} is for me to pay the rent. I pay {$2000.00} per month. The XXXX and Chase Bank is not refunding my money. I am late paying the rent because of Bank XXXX. I am going to be evicted. 

{$1900.00} for the XXXX XXXX should be deducted from {$3000.00}. I should receive the {$1700.00} balance. I should receive a {$590.00} Social Security amount that was sent to my Checking account as a direct deposit on XX/XX/XXXX. Chase Bank wants to keep my money. 

I am looking for work. I am retired on Social Security. It is not fair what the bank is doing to me. I am hard of XXXX  and I care for a dog who is almost XXXX. 

Chase Bank makes thousands of dollars in profits and wants to keep my money. 

On XX/XX/XXXX a company deposited a check for {$110.00}. I do not know the company who deposited the funds into my Checking account. I asked Chase Bank to return {$110.00} check to the company who deposited the check on XX/XX/XXXX. 

On XX/XX/XXXX the bank placed a debit XXXX check charge for {$690.00} and another debit XXXX check charge for {$930.00}. Chase Bank will not explain what is a debit XXXX check charge for the specified amounts. 

The only amount I see that Chase Bank returned to the Merchant is for {$270.00} at XXXX XXXX XXXX when I purchased the XXXX tree in XX/XX/XXXX. 

My Checking account has a negative balance of {$270.00}. Chase Bank made a mistake. It is not the right amount. It should be a {$1700.00} check sent directly to my condominium. 

Bank XXXX at the XXXX Department happened in XXXX day, XX/XX/XXXX. 
I must pay the XXXX. I can not be evicted. I have no place to go. I live in my condo for almost two years. 

I am going on an interview in XXXX to work for the XXXX. There is another company who is looking for remote work. I wish to continue living in my studio condo. 

I should receive a balance check of {$1700.00} sent to my home. Chase Bank and the crooked criminals should not get away with Bank Fraud. I am attaching the required documents for you to review. 

I hope the CFPB and the FBI resolve the Chase Bank XXXX account issue. 
Chase Bank wants to keep my money. I would like to know the results of the investigation. 

Thank You. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation