Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There was a fradulent fale stop payment made by XXXX XXXX of XXXX XXXX. On or around XX/XX/XXXX 2019- XX/XX/XXXX2019 that must be put into investigation and my account re credited for this error. This is the actual receipt of the XXXX ice maker inside the False stop payment XXXX refrigerator. It was manufactured in XXXX of 2019.I showed images of the box it came in with serial number above. 
Services Received By The XXXX XXXX XXXX Bank XXXX XXXX XXXX. 
1 Brand New XXXX XXXX XXXX maker. total assembly with warranty that can be verified. 
Part Inquiring Service on the phone 20 minutes on Hold putting part on will call Part Expedition Service Receiving Part Same Day Service Fee Part Purchasing No Deposit given Part Picking Up Requires Driving to The Supply Location ( Time, Driving Part Correct Part Confirmation Testing New Part Service Part Transporting From Supply house To Customer Service address, Service Fee Old Part uninstall removal Service fee New Part Install Removal Service Fee 2 Service Calls fee Ice maker adjusting and then unadjusting service fee Saturday Service Weekend fee nd I still kept it within the Original quoting Everything was done to the highest grade of competency. I tested the water supply to the ice maker verified water supply and water dispenser. I replaced the old ice maker with a brand new XXXX ice maker that was tested before installing gave him a 25 day warranty on labor and 1 year warranty on the part. He had inconsistencies with the electrical breaker and receptacle. I told him to hive a residential electrician analyses and correct any non grounding and short issues and also to child proof any receptacles around the interior of building but he didnt. He dishonestly files a stop payment with an intent to defraud.You dont stop payment because you dont want to understand. he kept requesting a new Ice maker so he got what he asked for same day. And then he stops payment.Obviously he doesnt know what he is talking about. Or else he would have fixed the issue himself. This is a bank error on Chase bank and this false illegal stop payment requires reversal and fees put back into XXXX XXXX account in the total of {$270.00} requires reversal being removed from XXXX XXXX account hes a defrauder and he abused and co conspired the bank so underhandedly and this checks holder be put on XXXX  so he cant do these defrauding things any longer. Because making Chase bank aware of this with undisputed burden of proof evidence and they dont follow the regulation of Regulation E, FDIC, EFT, will put the bank in illegal circumstances. This matter is to be put into investigation. We require response to the matter with 7 days. 
Electronic Fund Transfer Act In 1979, the Electronic Fund Transfer Act ( EFTA ), also known as Regulation E, was implemented to protect consumers when they use electronic means and check are also covered to manage their finances. 
Compensation for Violations of the EFTA Electronic funds transaction act. 
If a financial institution breaks laws established by the EFTA, you may be able to sue for damages in court. Thats if they refuse to credit the money back or correct an error. You can also sue if they fail to prevent a transfer when you reported the lost or stolen card and told them to freeze the account. Youre entitled to the money lost and potentially punitive damages between $ XXXX {$1000.00} as well as court fees and attorneys fees. 
I have rendered the service based on agreement, and I am entitled to that money. The demand letter in this complaint Chase bank can not say they did not receive it. Requesting a demand for payment the fraudulent stop payment within 7 days or you will file in the small claims court. As per FDIC Rules and Regulations : SECTION 1005.11 PROCEDURES FOR RESOLVING ERRORS 5. Discovery of error by institution. The error resolution procedures of this section apply when a notice of error is received from the consumer, and not when the financial institution itself discovers and corrects an error. 

11 ( c ) Time Limits and Extent of Investigation Supplement I to Part 1005Official Interpretations SECTION 1005.2 DEFINITIONS 1. Fund transfers covered. The term " electronic fund transfer '' includes : v. A transfer via ACH where a consumer has provided a check to enable the merchant or other payee to capture the routing, account, and serial numbers to initiate the transfer, whether the check is blank, partially completed, or fully completed and signed ; whether the check is presented at POS or is mailed to a merchant or other payee or lockbox and later converted to an EFT ; or whether the check is retained by the consumer, the merchant or other payee, or the payee 's financial institution. 


Supplement I to Part 1005OfficiaXXXX Interpretations Investigations. 
SECTION 1005.2 DEFINITIONS 11 ( d ) ( 2 ) Debiting Provisional Credit 1. Alternative procedure for debiting of credited funds. The financial institution may comply with the requirements of this section by notifying the consumer that the consumer 's account will be debited five business days from the transmittal of the notification, specifying the calendar date on which the debiting will occur. 
2. 1. Notice to consumer. Unless otherwise indicated in this section, the financial institution may provide the required notices to the consumer either orally or in writing. 
3. 2. Written confirmation of oral notice. A financial institution must begin its investigation promptly upon receipt of an oral notice. It may not delay until it has received a written confirmation. 
4. 3. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the financial institution may not impose a charge related to any aspect of the error-resolution process ( including charges for documentation or investigation ). Since the Act grants the consumer error-resolution rights, the institution should avoid any chilling effect on the good-faith assertion of errors that might result if charges are assessed when no billing error has occurred. 
5. 4. Correction without investigation. A financial institution may make, without investigation, a final correction to a consumer 's account in the amount or manner alleged by the consumer to be in error, but must comply with all other applicable requirements of 1005.11. 
6. 5. Correction notice. A financial institution may include the notice of correction on a periodic statement that is mailed or delivered within the 10-business-day or 45-calendar-day time limits and that clearly identifies the correction to the consumer 's account. The institution must determine whether such a mailing will be prompt enough to satisfy the requirements of this section, taking into account the specific facts involved. 
7. 6. Correction of an error. If the financial institution determines an error occurred, within either the 10-day or 45-day period, it must correct the error ( subject to the liability provisions of 1005.6 ( a ) and ( b ) ) including, where applicable, the crediting of interest and the refunding of any fees imposed by the institution. In a combined credit/EFT transaction, for example, the institution must refund any finance charges incurred as a result of the error. The institution need not refund fees that would have been imposed whether or not the error occurred. 
8. 7. Extent of required investigation. A financial institution complies with its duty to investigate, correct, and report its determination regarding an error described in 1005.11 ( a ) ( 1 ) ( vii ) by transmitting the requested information, clarification, or documentation within the time limits set forth in 1005.11 ( c ). If the institution has provisionally credited the consumer 's account in accordance with 1 9. 
10. SECTION 1005.2 DEFINITIONS 11. 11 ( d ) ( 2 ) Debiting Provisional Credit 12. 1. Alternative procedure for debiting of credited funds. The financial institution may comply with the requirements of this section by notifying the consumer that the consumer 's account will be debited five business days from the transmittal of the notification, specifying the calendar date on which the debiting will occur. 

Deceptive Trade Practices Act : XXXX XXXX has violated this law : he has violated this law. the price paid is substantial evidence to support that he asked how long was the warranty? because he knows it is brand new period. He still has this stolen property in his possession. I may also recover up to three times damages, he knowingly commited this fraud and implicated the bank in the process. 
California Business & Professions Code 17200 prohibits any unlawful, ... [ A ] ny unlawful, unfair or fraudulent business act or practice is deemed ... section 17200 common law fraud or deception.

Company response to consumer: Closed with explanation