Consumer complaint received 2015-06-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2015, I made a mobile deposit of {$500.00}, check # XXXX, To my Chase Bank checking account. The check was written from my XXXX checking account and was made payable to myself. On XX/XX/2015, the XXXX check cleared into my Chase Bank checking account. On XXXX XXXX, XXXX XXXX deducted another {$500.00} claiming that check # XXXX was cashed or deposited at XXXX XXXX. However, they realized they made a mistake because that check was already deposited into my chase account back on XX/XX/2015, XXXX XXXX returned my {$500.00} back to my account on XXXX XXXX, 2015, On XXXX XXXX, 2015, Chase Bank automatically withdrew {$500.00} from my checking account. When I called to find out what happened Chase Bank claimed that the original check was cashed at XXXX on XXXX XXXX, 2015. So according to Chase the check was processed on XXXX XXXX, 2015, which is the mobile deposit I made ; and processed on XXXX XXXX, 2015 at XXXX. However, I do not own an account at XXXX and it seems like someone stole that check I made the mobile deposit with. Seems like I never voided the check but the fact is, that check was stolen from me and someone pretended to be me at a bank in XXXX. The check was made payable to myself. Being that it is an XXXX Bank check, I have gone several times to XXXX XXXX to try and file a fraud claim or lost check claim but they keep telling me that it is not there problem and that I need to deal with Chase Bank since they withdrew the {$500.00}. So when I go to Chase Bank they tell me since it is an XXXX XXXX Check that was stolen they can not help me. However, why would Chase release my funds to another bank when the original deposit was made via the mobile app? I have filed a police report already. I also have proof of the mobile deposit clearing on XXXX XXXX. I have also attached statements showing that XXXX XXXX debited another {$500.00} for check # XXXX to XXXX but returned it 3 days later realizing their mistake. Chase needs to do the same. I attached a chase statement showing the original mobile deposit for check # XXXX clearing on XXXX XXXX, 2015, Then a automatic withdrawal of {$500.00} on XXXX XXXX, 2015, to pay XXXX ; When Check # XXXX was deposited once already back on XXXX XXXX, 2015. I have filed a police report due to the fraudulent cashing of my check # XXXX in XXXX. However, no one wants to help me. I do not who is supposed to help me. Is it XXXX XXXX because it is their check? or is it Chase Bank cause they released my funds to XXXX when the check was already deposited on XXXX XXXX, 2015. 
None of the banks want to take responsibility. I really hope this can help resolve this issue. XXXX of the banks has to get my {$500.00} back from XXXX and no one wants to do it. To sum everything up check number XXXX was stolen from me and cashed it on XXXX XXXX, 2015 at XXXX. when the check was originally deposited into my chase account via the chase mobile app deposit feature. How can XXXX bank cash a check written in my name when I do not even own an account there.

Company response to consumer: Closed with explanation