Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Company : JPMorgan Chase Bank Product : Checking Account / Debit Card Transaction Complaint Description : I am submitting this complaint regarding a transaction processed by JPMorgan Chase Bank that resulted in {$3700.00} being removed from my XXXX XXXX XXXX deposit without my authorization or proper notice. In XX/XX/year>, I used my debit card to rent a vehicle from XXXXXXXX XXXX XXXX XXXXXXXX. The rental was for one week and the total charge was over {$600.00}, including the rental cost and a deposit of approximately {$100.00} {$200.00}. The vehicle was returned at the end of the rental period and the rental was completed. After the rental was finished, I did not authorize any additional charges. On XX/XX/year>, XXXX attempted to process a charge of approximately {$3700.00} to my Chase debit account. At that time my account did not contain sufficient funds and I did not have a line of credit or overdraft protection that would allow a transaction of that size. During a recent phone call with Chase customer service and the collections department, I was informed that the merchant attempted to submit the charge multiple times and that those attempts were declined due to insufficient funds. I was further told that the transaction was eventually allowed to post even after those declines, and that the bank sometimes allows this type of processing specifically for rental car companies. I never authorized a {$3700.00} charge and I was never notified that this transaction was being attempted or processed. I did not receive any communication from the merchant or from Chase explaining the charge when it occurred. Recently, the Social Security Administration deposited {$4300.00} in XXXX XXXX XXXXXXXX benefits into my Chase account. Chase then removed {$3700.00} from that deposit to cover the prior charge. These funds were XXXX XXXX XXXXXXXX benefits. Federal law protects Social Security benefits from most creditor claims under 42 U.S.C. 407. I am concerned that my protected benefits were used to satisfy a disputed transaction without proper authorization or investigation. In addition, Chase representatives provided conflicting explanations regarding the transaction. One representative stated that the charge came through collections, while another representative stated that the charge was submitted multiple times as transaction requests that were declined before eventually being allowed to post. Because my Chase account has since been closed, I no longer have access to the original account statements. However, I do have email correspondence from Chase indicating that I owed approximately {$3700.00}. I request that the bank provide the complete transaction history and authorization records as part of its response to this complaint. During my phone call with Chase representatives, I was informed that the merchant attempted the charge multiple times and that it was initially declined due to insufficient funds. I request that JPMorgan Chase specifically explain why a transaction that was declined multiple times due to insufficient funds was ultimately approved and posted to my account, and identify the internal policy or card network rule that permitted the transaction to be processed after those repeated declines.

Company response to consumer: Closed with explanation