Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I spent {$350.00} at XXXX on XXXX. On XXXX I went to bed with a balance of approximately {$8.00}. On XXXX I had an available balance of {$440.00}. I refreshed and checked my balance several times and had my husband do the same, I even called the automated Chase line and was told that was my balance including pending transactions. I didnt recognize this money or where it came from. So I called Chase and spoke with an agent named XXXX who went through each transaction and balance with me. The {$350.00} XXXX transaction was included, and still the balance was {$440.00}. I explained where I have been in situations where after the money is spent, it ends up being a negative balance and wanted to prevent this from happening. I was assured multiple times that this money was correct. I then asked to make a report because my account balance being incorrectly shown by that significant of an amount for XXXX days was unacceptable. He agrees and asks me to hold on a moment, after he comes back on the line he tells me that there was a bug or issue but it has been fixed and that my account is showing correctly. So after that, we made several purchases with the funds available in my account. Now on XXXX my account balance is- {$340.00}. Allegedly its because XXXX cancelled my transaction of {$350.00} and sent the money back to my account and then charged my card again on XXXX for {$340.00}. However, the math is not adding up. If my balance was {$8.00} and went to {$440.00}, thats + {$430.00}. Even though they told me the XXXX transaction was already deducted from the {$440.00}, if we take the {$340.00} XXXX charge off just for arguments sake, thats still + {$100.00}. The purchases that I made after I spoke with the chase agent on XX/XX/year>, were made under the assurance that I had those funds available in my account. And if you factor those purchases into the equation above, {$440.00} minus ( XXXX purchases ) = XXXX. So either way you look at it the math is not adding up somewhere. When I spoke with Chase bank again today, I spoke with a man whose name I didnt get because it was hard to hear him who told me to speak with someone in claims when they opened at XXXX. So I called and spoke with XXXX from claims who said she cant help me because the problem isnt a transaction dispute but a customer service issue and to call back at XXXX. So I call back at XXXX and Im very frustrated at this point, I dont recall the name of the lady I spoke with but she was very unhelpful in telling me that this whole thing is essentially my fault regardless of what I was told by a Chase employee and that I must pay the - {$340.00} balance on my account. I asked for it to be escalated because I dont agree and I believe that to be unfair business practice. I dont recall the name of the escalation employee because I was even more frustrated when she confirmed that there was nothing I could do but file a complaint on the employee and they would notate my account so that if I called back about overdraft fees they would be able to take care of it. But as far as the overdrawn balance/walmart transaction/balance discrepancy issue there was nothing they could do. And went so far as to tell me she doesnt know why he told me there was a bug and that it had been fixed because as far as she knows there was no bug or issue in their system. 
My main problem is Im a XXXX of XXXX and my XXXX is a XXXX veteran. I get paid once a month so I need my account to be reliable. I check my balance before and after EVERY purchase. Within XXXX hours I called and reported it both times. I wanted a record that I tried to fix it, and also if I am assured multiple times from an employee trained to oversee and handle customers and their accounts I should be able to take them at their word and assurance. I was assured this was correct and I would not have spent that money if I was not allegedly misled and allegedly lied to by an employee. Im being gaslighted into thinking any of this makes sense by Chase employees and its causing me financial, emotional, and physical stress after I went to such lengths to avoid this situation.

Company response to consumer: Closed with explanation