Consumer complaint received 2017-02-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

Sir, I am a senior US citizen XXXX XX/XX/XXXX, holding an A/c in JPMorgan Chase Bank N.A . 
I am submitting this complaint related to an UNDISCLOSED and DUAL charge of {$27.00} for the same transaction by the Chase Bank, in addition to their DISCLOSED transfer fee of {$15.00}, the transaction being an inward wire transfer dt XX/XX/2017 of amt {$9800.00} from XXXX. 
Prior to the wire transfer, I telephonically asked Chase Bank for their Swift Code ( XXXX, I was informed ) and their wire transfer fee ( {$15.00}, as DISCLOSED to me ). I conveyed the Swift Code to XXXX, who confirmed a wire transfer for {$9800.00} was made by them on XX/XX/2017. 
Although I expected a credit of {$9800.00} ( {$9800.00} less transfer fee {$15.00} ), I was credited only {$9800.00} in my above Chase A/c. There is, thus, an obvious discrepancy of {$27.00}. In response to my numerous inquiries, Chase Bank repeatedly told me that {$27.00} may have been taken by XXXX or some intermediate agency. I made two visits to my Chase Bank Branch and met Vice President XXXX and made numerous calls to their Service Line XXXX. I am sure Chase Bank would have a record of all my conversations, since they all took place on their recorded lines. 
As I could not get any convincing or credible explanation from the Chase Bank staff, I contacted XXXX. I spent considerable time and money ( nearly {$50.00} ) on calls and communications to different officials of the XXXX in order to get at the truth. At my request, XXXX reconciled and tallied all the wire transfer records of XX/XX/2017 with JPMorgan Chase NY and told me in no uncertain terms that they had transferred {$9800.00} to Swift Code XXXX on XX/XX/2017. 
On XX/XX/2017, I rang up the Chase Wire Transfer Dept ( XXXX ) and spoke to XXXX, XXXX and finally their Escalation Supervisor. I asked them just one question - " Does Swift Code XXXX belong to any institution other than JPMorgan Chase Bank N.A., such as any of their subsidiaries or affiliates? ''. Their answer - " No ''. 
Faced with this unambiguous information, the Escalation Supvr told me that she would tell the Customer Service to credit Transfer Fee {$15.00} to my A/c, but did not commit to the UNDISCLOSED/DUAL overcharge deduction of {$27.00}. 
I made one last effort on XX/XX/2017 by calling ( XXXX ). I spoke to XXXX, XXXX and Supvr XXXX. I, even, drew their attention to the online Chase Bank A/c entries pertaining to XX/XX/2017, showing {$27.00} deduction by Chase Bank before the second deduction by them of transfer fee {$15.00}, and also informed them that XXXX, by law, can deduct their fees in XXXX only ( not in any foreign currency ). But all this to no effect. Hence this complaint to you. 
Sir, my main complaint refers to the UNDISCLOSED and DUAL charges {$27.00} and therefore I request your intervention to get a refund of {$27.00} by the Chase Bank. And if you deem it appropriate, I further request that Chase Bank should desist from charging UNDISCLOSED and DUAL fees from customers. 
Thank you for your consideration and help. Kind regards. 
Yours faithfully An Affected Senior Citizen