Consumer complaint received 2023-12-23 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: TX

Complaint narrative:
Firstly I must introduce my self as a XXXX XXXX XXXX XXXX, I work 7 days a week cashing out my money everyday into my checking accounts with chase bank and I also do my everyday spending from this same account as well. 

Theres been a lot of discrepancies going on with my account and it has gotten to a point where I must voice it out to the public for them to be aware of these type of scam from chase bank. 

I first got to know about this trick when I was still banking with XXXX XXXX where I had my direct deposit from my work setup with them, when ever it get to my payday, they will credit my account with some amount of money to make it look like a mistake then when your direct deposit finally hits your account they now take out the money they deliberately added to your account along side some of your money and you will never see that transaction on your statement of account. 

Chase bank did this to me about 5 days ago, I woke up from bed on the XXXX XXXX  XXXX and checked my chase mobile app to my greatest suppose there was a credit of {$1100.00} in my account but was not on my statement as that money doesnt have an history, I call that type of money ghost money. 


Because of my past experience with XXXX XXXX I quickly took out that money from my account and kept it leaving my actual money that was in the account before this ghost money came in, I continued working and making more deposit in the account, after 3 day I got a negative balance of {$1100.00} then I knew it was that money they were talking so I immediately paid it back with brought my account to normal. 

All my credit card company get their minimum due payment from this same account so I initiated a loan payment {$210.00} on one of my card called XXXX XXXX on the XXXX XXXX this payment didnt post until XXXX XXXX  XXXX and that was it, payment went through with glitch or decline for any type of reason, they are not suppose to debit my account again until the following month which is XX/XX/XXXX. 

I woke this morning XXXX XXXX to fine out my chase account is negative- {$210.00} so I called my bank to ask about this transaction, they said XXXX XXXX did not receive payment on the XXXX XXXX and the check they raised was return so they had to retry it again on the XXXX which brought my account to negative {$210.00} today I immediately called XXXXXXXX XXXX and they denied initiating any transaction on the XXXX and XXXX XXXX, They said they initiated the debit on my account on the XXXX and the payment was successful the that transaction was marked completed. 

These and many more have been experiencing with chase bank, when you buy things online and maybe you not okay with the item and it required you return the item and get a refund back to your account, chase will never credit that money to your account but they will add it to your statements of account and even lie on your that you did not realize they credited you but trust me they are very good at their scam. 

Am a day to day earner and am not rich, I keep taps on my little income so I dont fall victim of things like this, I have diverted all my direct deposit to a different bank and am waiting for this mess to be cleared so I can close the account and be free from these scammers.

Company response to consumer: Closed with explanation