Consumer complaint received 2024-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A wire transfer was sent on XX/XX/XXXX for {$190000.00} for a real estate closing. Due to the incorrect routing number it went to the wrong bank. Unknown to me, the sender, it was automatically applied to a member 's bank account that happened to match the account number on the transfer form. However, if Chase bank would have reviewed the information when the wire came through, Thay would have seen the name of the recipient & the Bank did not match the account was credited the wire transfer. My credit union, XXXX XXXX, sent a recall to Chase Bank on Monday XX/XX/XXXX that the {$190000.00} was sent in error and to please return the wire to the sender. Chase Bank replied that due to the routing number and the account number matched their member they would have to contact that member first before returning the money. I have no idea who the member is, plus my form that was sent with the wire had the receiver to be XXXXXXXX XXXX  in XXXX, CT XXXX. Chase Bank stated wire transfers are automatically deposited and not reviewed by anyone after it arrives therefore if it matches a member 's account the wire is automatically deposited. On XX/XX/XXXX at my closing, we recognized our error we contacted Chase Bank immediately to recall this money. They recognized the error, saw it was not intended for their member but refused to return the money before checking with their member. I have not been given that member 's name, so there is a possibility when he sees this large amount of money deposited into his account ( he could say he knows me and was expecting a deposit, and I would lose my money. By pure coincident my wire matched a member of Chase Bank, the routing number and account number. ) It was said it would take 3-5 days to correct the recall it was done on Monday XXXX  while I was sitting with our real estate lawyer, see attached This was my closing the happiest day of my life I get to live near my son, it's been over XXXX yrs. since we've been close to each other, Now I'm worried sick, I'm so upset and can't sleep to think I could be taken advantage of! I reached out on Fri XXXX for a reply on day XXXX, I learned they changed the filing date to XX/XX/XXXX. This is not right, I have waited all week for my refund, now because they changed the filing date, I have to wait another week! The real estate attorney is pressing me for their money. I could l lose my new home because they refuse to expedite this. I have contacted my credit union every day ( all week ) asking if Chase bank returned my money, and they haven't. My credit union has tried to talk to a human, they don't answer the phone you leave a message, and someone will call back but they haven't. Chase Bank knows this is a real estate transaction and time is a big factor, Why Chase is keeping my money is really poor business decision and they have not been helpful nor tried to resolve in the transaction. I'm hoping you can help mel, thank you XXXX

Company response to consumer: Closed with explanation