Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

Chase Bank *Opened two personal checking accounts A bank teller made a modification to a deposit slip in which I believe was the onset of money being taken from me. 

I purchased products at stores online. Subsequently, the charges for the products were taken from my account more than once. 

I also began to receive emails indicating that they were from Chase bank indicating that my account was overdrawn and/or that charges were being made and/or deducted from my account. When I contacted the banks fraud department to inquire about such charges and emails, the male representative in the fraud department with whom I spoke indicated that there were no such actions or information available to support the emails or charges for the emails or transactions for which I was receiving emails. 

Upon contacting the corporate / executive office leaders for Chase Bank by phone and email on several occasions, I was told by an executive office representative to the bank XXXX, as she described herself, they were not at fault. In the email communication and phone call ( s ), I also expressed concern about money that I believed was missing from my bank account. 

I also shared that a representative at the branch at the XXXX XXXX asked me for my pin number. When I looked surprise and mentioned that I thought that we were not supposed to be asked to share that information, he indicated that the branch manager asked him to obtain it. While cautious, I complied and verbally gave him my pin number because I thought that they were really going to assist with helping me with the charges in question and the missing money. 

I also shared with the executive office team that their employees were not behind the counters at the bank when customers entered the bank. As such, they were sitting in the area designated for bank customers and occupied all the seats. I also mentioned that they were talking amongst each other including the security guard who was joined in their group conversation. They were talking and on their cell phones. It was not a professional look. As I entered the local branch, I asked to speak with one of the representatives. As soon as I sat down in the office with that representative, the manager came from the back and looked very uncomfortable when he saw me. Subsequently, I was asked for my pin number. 

I still have the original deposit receipts for the {$30000.00} which reflected the money as a credit on a bank statement ( without notice that the funds were going to be held until another date ). When I realized that Chase was not going to return my money, I took screenshots of online bank statements before and after I brought concerns forward to Chase Bank Executive Team Members and Customer Service Phone Representatives and Supervisors on several occasions. The money deposited, however, did not appear on the statement when deposited. As such, it appears that one or more employees/representatives at the bank manipulated bank records/transactions in an effort to cover up the alleged wrongful actions involving my money in the accounts. 

The account was continuing to be overdrawn although it had sufficient funds in the accounts. As a result, I was assessed fees. It also appears that transactions may have been presented more than once and debited from my bank account. 

Also, as recently as XX/XX/year>, I have been contacted frequently by persons indicating they were calling on behalf of Chase Bank XXXX XXXX XXXX regarding an urgent action about my account. Because of the frequency of receiving those calls, I stopped by the XXXX XXXX branch of Chase last week. I was told that there was nothing on my account that indicated that I was called or should have been called regarding the bank account that I have. 

It is also worthy to note, that because of the concerns occurring with my account at Chase Bank, I closed one of the accounts and withdrew a substantial amount of money from the account and opened accounts at XXXX XXXX XXXX. 

Locations Involved : 1. ***Chase Bank Corporate Executive Management Office and 2. Chase Bank Telephone Customer Service Representatives , Supervisors and Fraud Department Representatives and Supervisors Local Branches : 3. ***Chase Bank XXXX XXXX XXXX XXXX Washington XXXX DC XXXX *Where I made two large deposits, had two checking accounts, and was asked to provide my pin number by a bank employee at the request of the branch manager. 

XXXX. Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Actions to Date : *Calls to Chase Corporate Executive Team Members and Customer Service Phone Representatives *Emails to Chase Corporate Executive Team Members *Visits to two local Chase Bank branches Desired Outcomes : 1. Return of {$30000.00} and any and all other money owed to me as a result of handling and/or mishandling of my money by Chase Banks internal and/or contracted employees, and/or as a result of breach of my personal data by Chase Bank and/or its affiliated data sources . 
2. Additional protocols and practices by federal agencies and banks to help avoid financial improprieties ( breach of data by banks, their employees and/or affiliates 3. Higher level background checks ( financial/credit checks, fingerprinting, and criminal ) for all bank employees ( internal and contacted ) 4. Advanced internal systems and checks and balances that will prevent bank employees and affiliates from skimming as well as from having direct access to customer funds at the onset of a transaction, during or after the transaction of a bank customer 5. Advanced internal systems and checks and balances that will prevent bank employees and affiliates and/or digital mechanisms that will alert multiple appropriate bank internal departments of suspicious and/or illegal activities 6. Advanced internal systems and checks and balances that will prevent banks from being able to intentionally deduct transactions more than one time 7. Enact policy that will prevent US banks from using/contracting call centers from outside of the US to handle US financial transactions which may provide a window of opportunity for breaks in proper oversight of and responses to actions For the amount of money deposited in the bank accounts, the transactions for which I have records do not match the amounts of the substantial deposits. I believe that money has been skimmed, stolen, etc. by organized efforts intentionally and fraudulently known and/or unknown by Chase Bank internal and external partners/officials.