Consumer complaint received 2023-06-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I sent an electronic transfer ( NOT a pay by mail nor a pay by check ) from my Chase account in the amount of {$2600.00} to a XXXX XXXX XXXXXXXX account number with the Payee Name being " XXXX XXXX XXXXXXXX ''. 

On XX/XX/2023 I sent an electronic transfer ( NOT a pay by mail nor a pay by check ) from my Chase account in the amount of {$980.00} to a XXXX XXXX XXXXXXXX account number with the Payee Name being " XXXX XXXX XXXXXXXX ''. 

These funds were never received by the intended account holder at XXXX XXXX XXXXXXXX. The account holder at XXXX XXXX  XXXX is my landlord. I received the bank name, my landlord 's name, their XXXX XXXX XXXXXXXX account and their routing number in my lease. I know that all of the information just listed above for my landlord is correct because in order to pay my rent I have been depositing cash into the XXXX XXXX XXXXXXXX account listed in our lease given to me by our landlord. 

What I was able to find with XXXX and XXXX XXXX XXXXXXXX is that MY ERROR was inputting " XXXX XXXX XXXXXXXX '' instead of the personal name of my landlord. The actual name on the account is for a business. The business belongs to my landlord. 

So, the funds were sent to the CORRECT bank ( XXXX XXXX XXXXXXXX ) with the CORRECT account number ( account number listed correctly on lease, currently the account number that I use to deposit cash for our monthly rent, my landlord has verified that they are receiving all of my cash deposits ) BUT... 

Instead of being the correct name listed on the lease it was simply " XXXX XXXX  XXXX '' as the payee name. Here is where it gets a little difficult... 

The landlord has a property XXXX who uses a different bank, that bank is XXXX XXXX Bank here in XXXX, Texas. I input the correct account number for XXXX XXXX Bank but committed the SAME ERROR ... instead of putting the property XXXX 's name, I input " XXXX XXXXXXXX XXXX  ''. XXXX Bank RETURNED the funds to my XXXX account within a week stating " The Payee name did NOT match the account number ''. 

Unfortunately, XXXX XXXX  XXXX does not have the same type of error/return system. 

I have spent XXXX hours trying to fix this issue. I have called XXXX numerous times and I have discussed this problem with XXXX DIFFERENT REPRESENTATIVES all of whom gave conflicting information and stated " there isn't anything that we can do '' and I filed a case at the XXXX level. The XXXX representative at the XXXX level stated that " XXXX XXXX XXXXXXXX is notoriously difficult to get things resolved ''. At the XXXX level, XXXX also stated that " there isn't anything that we can do ''. I also talked to a XXXX XXXX here at XXXX in the XXXX, Texas who was extremely helpful but could not resolve the issue. 

I called XXXX different people at XXXX XXXX  XXXX ( with XXXX XXXX  XXXX I received XXXX different responses from these XXXX representatives all of whom stated " there isn't anything that we can do '' ) over the last month and finally spoke with a XXXX XXXX XXXXXXXX XXXX at a XXXX XXXX XXXXXXXX XXXX here in XXXX, Texas because again I was having such difficulty with this. 

Here are facts that I know to be true : XXXX. XXXX sent the funds from my account to XXXX XXXXXXXX XXXX ( I do NOT have them anymore ) XXXX. The recipient bank name ( XXXX XXXX XXXXXXXX ), the account number ( verified by me and landlord multiple times ) and amounts were all correct. 
XXXX. My ERROR was inputting " XXXX XXXX XXXXXXXX '' instead of the landlord 's name on the XXXX platforms Payee Name section for online electronic payments. 
XXXX. My landlord and multiple representatives at XXXX XXXX XXXXXXXX have stated that my landlord 's account has NOT received these funds. 



I have been told by XXXX of the largest banks in the United States that they do not know where my money is and they CAN NOT help me in anyway.

Company response to consumer: Closed with explanation