Consumer complaint received 2016-11-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
There were two charges made on my checking account # : XXXX that I disputed with Chase bank. One of the charges was charged by XXXX which is a startup company that manufacturers small motors for window shade. the website is XXXX There was an order made to this company on the XXXX for the amount of {$1500.00} and the company never sent any merchandise until now. The company was contacted regarding their reason for not sending the product, but the they replied that the product will not be available and they were n't giving any refund. I contacted Chase bank regarding getting the funds back from this company due to the fact that they got the money, but would not send any product to me and they would not also give back any refund, which to me seems like a fraudulent company. I sent you the website for the company name, XXXX which is located in XXXX, XXXX. At first, Chase bank approved the disputed charge amount of {$1500.00}, but later on, a letter was sent to me stating that the charge was correct and the amount of {$1500.00} would have been reversed without any logical explanation. How could a charge be correct when a company never sent a product to someone for the past three months, even when contacted, the company still did not send the product to the customer. 
The second charge was made from a XXXX XXXX store in XXXX, Florida on the XXXX around XXXX. The store location is about three hours away from where I live at in XXXX XXXX, Florida for the amount of {$1500.00}. The charge was made on my account from inside the store and the bank automatically sent me a text message from number : XXXX regarding the charge {$1500.00} and I was told to reply 1 if yes, and reply 2 if no. I replied 2 for no because I did n't make the charge and I actually logged into my account through the www.chase.com mobile app to confirm the charge. When I replied to the text message, Chase bank automatically called me a someone from customer service spoke to me around XXXX XXXX from XXXX on the morning of the XXXX and the customer service representative informed me that my debit card was required to be closed in order to prevent additional fraudulent charges. On the XXXX, I went inside a Chase bank store and requested for a debit card to be printed to me and for the {$1500.00} to be reversed, I was informed by the Chase bank representative that she could not reversed the charge on her own and she called the Chase bank Fraud department from : XXXX XXXX to setup a dispute for the {$1500.00} charge and to also request a Chase XXXX debit card to be sent to me. A couple weeks later, Chase bank denied the claim, stating that I put in the claim on the XXXX when the charge as actually made on the XXXX. I tried to explain to the fraud department the reason why the claim was setup two days after the original charge, but no one was willing to listen to me and claimed that it was my fault. I followed all the procedures established by Chase bank to initiate a dispute, but Chase ended up shutting my bank account down and took {$3100.00} from my bank account which prevented my bills from being paid. I would like Chase bank to give me back my {$3100.00} and to also restore my bank account. Please do n't hesitate to contact me anytime through e-mail, XXXXXXXXXXXX or by telephone, XXXX. Thank you in advance for your support!

Company response to consumer: Closed with explanation