Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> a person ( XXXX XXXX XXXX ) sent {$500.00} via XXXX from his Chase Bank Checking account ending in XXXX to my Chase Bank Checking account ending in XXXX. The transaction number for this was XXXX. I have physical evidence showing the {$500.00} deduction from XXXX XXXXXXXX XXXX account as well as no credits back into the account after this transaction. Unfortunately, my Chase account ending in XXXX was closed the day before this transaction so the funds were not able to be deposited into the closed account. 

On XX/XX/year> I went to the Chase Bank location at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and asked for assistance in getting these funds. I was informed that because the account was closed there was nothing they could do but the funds would be returned to the sender in 5-10 business days. I then waited and verified with the sender on XX/XX/year> that the funds had not been returned. 

I went back to the same Chase Bank location on XX/XX/year> requesting assistance with rectifying this and obtaining the missing {$500.00} and after 2 hours of waiting while the bank reps looked through their computers was told that I would have to contact the company XXXX as they had no access or information of this transaction. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> I contacted XXXXXXXX XXXX  customer support but each time was told they could not assist me as this was transaction was completed within the Chase Bank system and they had no access or information of this transaction and I would need to address the issue with Chase Bank. 

On XX/XX/year> I returned to the same Chase Bank location requesting assistance with rectifying this and obtaining the missing {$500.00} and informed them of what XXXX was stating. After another XXXX minutes of waiting I was once again told that they were unable to find any information regarding the money and stated that I would need to work with Chase Bank but via their XXXX customer service number. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> I contacted the XXXX customer service number requesting assistance for this transaction and was continuously transferred around to different people but always resulting in being told that they had no way to help me find the missing funds from the transaction and that I should contact XXXX for assistance. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> I contacted both XXXX customer service and Chase Bank customer service to only be told that they were unable to find anything on this and that the issue was with the other company and they were unable to assist me. 

On XX/XX/year> I again went to the Chase Bank location at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX requesting assistance in finding the missing funds and I provided them all of the evidence showing that the funds had been removed from senders account and never deposited back, had never been deposited in my account or provided to me in another manner, as well as all communications I have had with both Chase Bank and XXXX. The banking rep stated that he was unable to help me with this and that the " bankers '' were too busy to help me and that I could make an appointment for another to talk to them. I pointed out that Chase Bank has been illegally holding my funds for almost 90 days with no resolution and he stated that there was nothing he could do. 

I am now filing this complaint and considering legal action against both Chase Bank and XXXX.

Company response to consumer: Closed with explanation