Consumer complaint received 2016-01-28
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX/XXXX/2015 at about XXXX I tried to use Chase ATM # XXXX at a Chase branch close to XXXX XXXX in the XXXX to deposit into my account the sums from XXXX checks XXXX for {$200.00} and XXXX other for {$200.00}. 
The ATM accepted the {$200.00} check but rejected and returned the {$200.00} XXXX. I tried once more with the rejected check and it was rejected once more but this time the ATM did not return it. 
Instead I was issued a receipt which I will upload stating that it had experienced a technical problem and asking me to call XXXX XXXX XXXX XXXX to confirm that the deposit was properly completed. 
I did so and provided the Chase agent that answered me with all the information necessary to locate the check in question on the ATM machine. 
I was informed by the agent that they would search for the check and that, if found, the {$200.00} amount would be credited to my account. 
I checked on the following morning and the {$200.00} amount had been included into my account so I concluded that the check had been found and that the claim request that I had made had been settled successfully. 
Then on the evening of XXXX/XXXX/2015 I went on line and discovered that the {$200.00} had been withdrawn by Chase from my account. 
I called the called the Chase claim office on the following morning and was told by them that the sum in question had been retired because I had appeared at a Chase branch and withdrawn it. 
When I informed them that this was not true they stuck to their version of events and when requested by me to provide proof that this transaction took place by presenting proof of either my valid NY state ID or a written document with my signature, they changed their story. 
Now they claimed that I had shown up in XXXX of their branches and cancelled the request for my check to be deposited and that they did not require a copy to be made of the ID or a written signature for such a transaction. 
I told them that this was also untrue that it made no sense for me to make such a request since the check had already been located by them and the amount placed on my account following established procedures during the established twelve hour window. 
I also told Chase that I was formally asking for my original request to be continued so that the check would be found and the amount in question be placed into my account. 
To back this new solicitude, I offered to go to any of their branch offices on the following day and identify myself with adequate ID so that this process would be continued. 
They denied this request giving as a justification that the time limit for such an investigation had passed. 
I told them that this was not my fault that this had occurred that I had responded to the situation as soon as I had found out that the {$200.00} had been withdrawn from my account. 
They told me that they were sorry but that they were denying my request and suggested that I contacted the issuer of the check and ask them to cancel it and reissue a new XXXX. 
I told them that this was an inconvenience since this would require some time and I needed the sum to pay my rent before the end of this month and that I did not know whether the check in question had been cashed by a third person.