Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I split a debit transaction from my personal checking account ( which presented as a new feature offered by Chase via my app ) into XXXX payments to be made every XXXX weeks. Because it was a new feature, I set it up on XXXX transactions, allowed the first auto payment to process then paid them both off. The first transaction processed XX/XX/XXXX. 

Wednesday XXXX I received an email from Chase stating that Payment XXXX of XXXX was processing on XX/XX/XXXX. I called Chases XXXX number and spoke with XXXX who originally argued the payoff. I was able to point out that even if this HAD been legitimate, the XXXX week contract would have been completed on XX/XX/XXXX, not the XXXX of XXXX payments beginning XXXX. Please see the screenshot Fraudulent deduction - you can see at the top of the screen it says {$56.00} XXXX XX/XX/XXXX but at the bottom of the screen is showing {$65.00} due - originally it had {$65.00} due XXXX and the remaining balance of {$56.00} automatically deducted Friday XXXX. After I called and pointed out that the dates were wrong, some editing was done on the back end to reflect the last payment today being XXXX of XXXX. However, if you look at the dates, the original transaction was processed XX/XX/XXXX - even if I hadn't paid it off in full on XXXX, there would have been a XXXX deduction as that would have been XXXX weeks from the XXXX deduction. You see XXXX transactions on XXXX because I let the auto bill hit the account, then paid them both off as stated. 

When I got up yesterday XXXX morning and checked my Chase app for the payment history, the dates for each payment had been removed. I have screenshots/pictures and a call to Chase which I recorded. My call was to inquire if there was a reasonable explanation for my banking transaction dates to be altered within XXXX hours of my previous call-there was not. 

Theres more supporting documentation : Turns out I had XXXX hours of vacation pay from XXXX which populated for the XXXX payroll at XXXX. I was made aware by XXXX XXXX notification XXXX XXXX. Now, I processed this payroll for XXXX years, so I know funds are released by XXXX bank on XXXX of the payroll week ( the institutions hold on the the funds until release date/check date, XXXX XXXX XXXX earn the float ). 

I would have had a pending direct deposit on my account set for release XXXX. Somewhere on the back end of Chases system, my account was accessed, because that pending deposit on my account auto processed and deposited in my account today. XXXX direct deposit is dated XXXX, and I can access those funds today-a day before the release date. Now I have a way to track when and how and by whom these banking transactions are being manipulated. The direct deposit ID, access and user can be traced based on the date/time stamp for that payroll deposit-those transactions are heavily regulated, there will be trace documentation. Please see the screenshot 'Deposit Populated to Available balance '. 

XXXX - I physically went to the bank, and they printed me transactional details - these are the PDF 's attached. I was able to show with their own paperwork how Chase is committing banking fraud. I was concerned about my phone being interfered, as I've experienced that abuse as well, so I went in to the bank as I've always done since XXXX to ask they file the dispute for me. I spoke with XXXX XXXX XXXX # XXXX at the XXXX XXXX XXXX XXXX XXXX, MI XXXX branch. He originally called customer service, and I interrupted him to clarify we were filing a dispute. He left his office and came back with a woman I've never seen before introduced herself as XXXX, and said she was the branch manager. I've been banking at this location since XXXX, I've literally never seen this woman before. I'm on a first name basis with the rest of the employees at that location. I was called out on a personal matter and had to leave, but not before she told me they were refusing to file the dispute.

Company response to consumer: Closed with explanation