Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am filing this complaint regarding extremely poor handling by Chase Bank related to a parking charge dispute, misleading guidance provided by Chase representatives, and the resulting overdraft caused to my checking account. On XX/XX/year>, I visited Chase Bank downtown to inquire about CD interest rates. I parked my vehicle in the parking area associated with the Chase premises. I spent approximately 15 minutes inside the bank. When I returned, I found a parking ticket for {$95.00}. I contacted the parking recovery company, and they informed me that if I had visited Chase Bank, Chase customer service could authorize a waiver or reimbursement of the charge. Based on that guidance, I contacted Chase customer service. During the call, the Chase representative specifically instructed me to pay the parking ticket immediately using my Chase debit card while remaining on the phone, stating that the amount could then be credited or reversed afterward. Following the representatives instructions, I paid the {$95.00} charge on XX/XX/year> using my Chase debit card. However, immediately after the transaction completed, the representative informed me that she could not process the reversal and transferred me to another department. Over the next week, I spent significant time following up with multiple Chase departments and representatives, repeating the same information multiple times without clear ownership or resolution. After repeated follow-ups, Chase finally credited the amount back to my account on XX/XX/year>. However, on XX/XX/year>, Chase unexpectedly reversed that credit and deducted the amount again from my checking account without providing proper advance notice or explanation. This deduction caused an overdraft situation in my account and resulted in an overdraft alert that came as a complete surprise to me. I contacted Chase customer service immediately. During that call, I was transferred between approximately 56 representatives over more than an hour, but no representative took ownership of the issue or provided a meaningful resolution. I was repeatedly redirected between departments while being forced to explain the same situation again and again. I am extremely disappointed by : Misleading instructions provided by Chase representatives Failure to honor commitments made during the original call Poor dispute handling and lack of accountability Reversal of previously credited funds without proper communication The overdraft situation created as a result of Chases actions The excessive time and stress caused by repeated follow-ups I am requesting that Chase : Reimburse the {$95.00} parking-related charge Reverse any overdraft fees or negative impacts caused by this deduction Review the call recordings from XX/XX/year>, where I was instructed by the Chase representative to make the payment while on the call Provide a written explanation regarding why the previously approved credit was reversed without proper notice Improve internal accountability and customer service handling to prevent similar situations for other customers I have been a customer of Chase and expected significantly better treatment and accountability from a major financial institution.

Company response to consumer: Closed with monetary relief