Consumer complaint received 2024-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TN)

I opened a new account with Chase Bank here recently, I opened a checking and savings account. I have had a checking and savings account with XXXX XXXX  for years and closed my accounts with them on XXXX XXXX XXXX to transfer to Chase bank. Whenever I closed my accounts with XXXX XXXX I transferred all of my money that was in those accounts to my Chase checking account before I closed my XXXX XXXX  accounts. I made sure that both of my accounts was at a XXXX balance before they closed and I also made sure that the full amount of the funds I had from my XXXXXXXX XXXX  both checking and savings accounts got deposited into my Chase account before I closed them. I would not have closed my account if any kind of money was not transferred over. It was a total of {$2100.00} that I had. I transferred them between bank accounts, from XXXX XXXX  to Chase Bank, I made XXXX {$1000.00} dollar transaction and XXXX {$500.00} dollar transactions. They were deposited immediately into my Chase checking and I transferred them back into my savings because thats where they came from. But after a few days I seen Chase had put XXXX {$500.00} transaction on hold. They didnt tell me why, it just said it would be available on the XXXX. It was deposited on the XXXX and was in my available balance. When I checked my account this morning it had been returned to XXXX XXXX due to insufficient funds. Even though that bank account is closed and has a {$0.00} balance, its not going to be returned. They had already received the money on the XXXX because it was in my account. Im not sure why after they received it that they would put it on hold and then try and send it back trying to say the money was never in my account because when they tried to pull it it wasnt there. I have no idea why they would try and take it out again knowing that the account it came from it closed but also, they had already received it initially on the XXXX when I made the transfer. I called and spoke to both Chase and XXXX XXXX  for several, several hours today trying to resolve this and nothing got resolved. They told me that the {$500.00} dollar transaction was an ACH transfer so it did not get processed until days later when my accounts was already closed with a XXXX balance, but when I transferred the {$2100.00} to my Chase account it showed up immediately and left my XXXX XXXX account at {$0.00} so I closed my account. My {$2100.00} dollars was in my chase account on the XXXX when I made the final transfers and closed my XXXX XXXX  accounts. Neither Chase or XXXX XXXX is saying anything about giving me my money back they are saying it was never there to begin with but the {$2100.00} is in my account currently, minus the {$500.00} that they are saying was never in there. I asked to speak with managers, and several different departments many times throughout the calls with each bank. Nobody was any help and said that I never had the money to begin with. I dealt with this for about XXXX hours today on the phone back and forth and havent gotten anything resolved. They are not understanding that my account statement literally shows where the deposits were made on the XXXX that equaled {$2100.00} but Chase does not see XXXX of the {$500.00} deposits, they only see a {$1000.00} dollar deposit and XXXX {$500.00} dollar deposit. And I continued to say that there is another {$500.00} deposit that I see on my statement that shows it was in my account and yall dont see that and now thats the transaction that is missing and I dont know what to do because I feel like I am getting screwed out of {$500.00} dollars and that isnt small change, that is a big deal and it would hurt me financially a lot and I dont understand why this has been so difficult or why neither of these banks have been any help at all in giving me back what was rightfully mine to begin with. 

I am attaching a screenshot of the transaction that Chase said they did not see. It was the transfer that said online transfer from XXXX XXXX  XXXX XXXX with the transaction number. They see the other XXXX transactions for {$1000.00} and {$500.00} but that specific transaction that says online transfer from XXXX XXXX is the one that they dont see and that is missing.