Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NE)

I filed a dispute for a charge with XXXX, who once again had sent me an item that did not work. This was a XXXX photobooth camera. As I was putting it together, I noticed, it had a lot of dings and starches on it, it was also warped, and the logo sign was bunched up nor would it even come on. I immediately reached out to the seller, he first tried to get me to call their XXXX XXXX  team, I refused because this was supposed to be a new item and it was apparent that it wasnt. I also provided pictures. Eventually the seller sent me a return label, which I had to pay an additional {$8.00} to have XXXX XXXX to pick it up, this thing weights about XXXX. 
Once I returned the product, I contacted the seller again asking when he was going to refund my money. The seller says he has to wait until the return make it overseas and then I would have to wait an additional time after it makes it there. The seller also made a weird comment as he has someone at XXXX to check the product before they ship it ( not true ). I told him that it had already been checked in according to the tracking label. He continued to stone wall. I asked XXXX to step in to get me my funds back. They acknowledge that the seller was not being honest and that if he had not refunded me by x number of days, they would return my funds. Once XXXX failed to return my funds in a timely matter, I filed a dispute with XXXX. XXXX said that they would issue a provisional credit that day. They did issue that credit the following day. XXXX or XXXX days after that XXXX issued my refund. 
I contacted XXXX that following day to advise them that I had gotten that refund from XXXX and asked them to remove the provisional credit from my account. I was told it would be removed I think XXXX or maybe XXXX days later. I asked if they could remove it asap. The reason for that is because I do a lot of online shopping and sometimes it takes a while for the funds to be removed and due to my issues with memory loss, I sometimes lose track and being it was such a large amount in comparison to my other purchases. 
The rep stated that she would reach out to leadership to see if they could remove it earlier, I was told they would and a few days later it had been removed. Mean while my purchases were not going through so I would use a different card. 
Eventually I called to find out what was going on with my card. The automated system stated that my card had been suspended. I spoke with a rep and was told that my account had been closed and I would not be able to open another account with chase. I asked why and was told per my agreement with chase they do not have to give me a reason for closing my account. 
At this point I still had about XXXX in my account, so I attempted to send it to a different account, but I got messages saying that the transaction had been cancelled. The following day which was XX/XX/XXXX, I went to chase to close the account completely out and get my funds because my direct deposit from work had been deposited. 
When I first got there, I told the young man at the front that I wanted to close my account and withdraw my funds. He said that they did not have a teller in at this time. The teller was at lunch. I left came back and was told that they could not give me my funds because my account was restricted. The XXXX came and told me she would have to get permission to release my funds. 
I had {$900.00} in my account again because of my direct deposit. The young man called their back office and was told because I had some open claims, they could not close my account until they were closed. He said that he has been authorized to release {$770.00}, until the claims were closed. I advised that there were no open claims on the account because I had withdrawn the XXXX claim and the provisional credit had already been removed, which I believe was {$1000.00} ( something like that ) I told him that I am ok with the {$770.00} until they finish the process. He walks me over to the teller to withdraw those authorized funds. The teller says it still would not allow him to release my funds. They then say that they would call back to get the funds released. I had already been in the bank for a while and I had my brother in the car waiting for me, so I told them that I would have to leave and come back. I told them to give me a call when they get it figured out. 
About XXXX minutes later I get a call from this same young man, who says that. I had XXXX or so claims on my account in the last year so they could not release my money. They said that I still had an open claim for XXXX for XXXX XXXX  which was a reoccurring payment, so until that is settled, I could not get my funds. 
I went into my XXXX XXXX account to prove to them that my account is active on my annual subscription and its renewals on XX/XX/XXXX. I attempted to fax it about XXXX times, and I continued to get an error message stating the fax signa was not strong enough to except the fax. 
I called and asked for a supervisor, and she asked me what fax number I was sending it to, she then informed me that it was the wrong number, she gave me another fax number. 
Today XXXX XXXX called me and said that the bank rejected their request for payment, because my account had been suspended. They informed me that the full balance is now due, because of the missed payment. 
There was a payment rejected on my XXXX  XXXX account, and I also have another payment due on my XXXX account. My business insurance from XXXX XXXX XXXX payment was return and my policy is about to be cancelled. 
I was not aware of a number of amounts of dispute that can be made on an account. I have had physical evidence for each claim and offered to send it in with each claim. I was told to hold it and they will notify me if they need it. They have never asked for it. I think Each claim went in my favor, except for XXXX XXXXXXXX, who charged me a yearly subscription for a product that I received for free through XXXX XXXX XXXX XXXX. After they denied that claim I sent the proof that my college had provided me with that product for years. I explained that when I reset my computer, I attempted to redownload the product and that is why they charged me. I advised them that I had been trying to contact XXXX and was being sent in a circle never being able to speak with anyone They still denied my claim. 
I recently file another XXXX charge where I order XXXX item for a sticker for, I think XXXX. I was charged for XXXX order they also sent me XXXX orders, but I only order XXXX. I got a notice asking for proof of my claim. They asked to be to provide proof that I never received the item, or something that had nothing to do with the dispute. 
I responded by asking to have my dispute transferred to someone in the XXXX. I had Implied that there clearly was some kind of language barrier because, that was not the nature of my dispute. The next day they denied my claim. I called in to complain about this action and was offered a {$20.00} credit instead of continuing the dispute, so I accepted. 

I believe about XXXX percent of these calls across the system is being handle by people who can repeat English but doesnt comprehend the language. I have stop calling in the XXXX ups. I have to go without groceries because I thought that this would be resolved. I tried to log into the account today so that I could provide you with correct dates and amounts as well as other details, but my online account is now locked. I am a compulsive shopper ; I do not like shopping in brick-and-mortar stores so there are a lot of online shopping. Which also mean I do not get to touch or feel my product until it gets here. In XXXX I made about XXXX orders on my XXXX account alone. Why am I being punished for filing legitimate dispute. 
Thanks XXXX XXXX