Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (OH)

Pleaseeee help! 

A couple of weeks ago, I received balance transfer checks from Chase offering a balance transfer with 0 %. We changed my credit card number due to losing XXXX of them. Two days ago XXXX/XXXX/2016, we decided to use the balance transfer checks. Yesterday XXXX/XXXX/2016, we received notification that the check was accepted. We paid our credit cards. Yesterday, around XXXX EST, my phone started going crazy. When I looked, I seen notifications of insufficient funds. I immediately logged in to see what the issue was, and seen our balance transfer had been rejected. I called at XXXX EST, the lady was I spoke to was more focused on getting me to the credit card department than helping me stop the charges to go through. She then warm transferred me, as the credit card department told me that the check was rejected due to my account number changing when I changed my card. She advised that I still had the offer but it would take 5-7 days to post to my account. If the first lady in the checking account department would have been more focused on helping me, she could have processed a stop payment as I told her I did n't have the funds to put in my account. Before disconnecting the call the first lady I spoke to advised due to the mishap that Chase would refund the fees. I then proceeded to call XXXX XXXX to get the pending payments to be stopped, if possible, and they advised the payment was now in Process and they were not able to do this but that I could request Chase to do a stop payment. So I called Chase back, and asked for stop payments. They said it was too late that it had to be done all before XXXX EST, I advised that I was on the phone with the first advisor and that they never offered to do that or help me, so that a stop payment should be forced as when I paid those credit cards, there were funds from the balance transfer, as well as additional funds from my personal life. The point of a balance transfer is to save money and now I am forced to pay fees due to the incompetence of Chase and the first advisor I spoke to. If the issue is not resolved, I will be closing our account as I want to bank with a company that is working for the best interest of their customers. 
The incompetence with Chase and the mistakes they have made is : 1. I was never made aware that the account number changes on a credit card account when getting a new card. 
2. I was never made aware that the balance transfer checks would not work due to change card numbers. 
3. The first lady I spoke to, should have done or offered a stop payment on the charges to prevent the pending charges to go through. 
4. I received an email notification that the deposit was accepted. How can it be taken from me once it goes through? 
5. I got the notification at around XXXX EST, how does that give me anytime to resolve a matter to prevent any fees. 

I will be closing all of our accounts if the issue is not resolved. We are good Chase customers, with good history on both credit cards and checking/saving accounts. We do n't have top dollars, but our accounts are active. Every time we swipe our cards Chase is making money. Its not fair to me as a good customer trying to faithfully resolve an issue, for Chase to not be willing to help me.