Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
on XX/XX/XXXX I received a notice on my phone that someone was attempting to take {$2900.00} from my account under the name XXXX XXXX i immediately called chase bank to inform them that this was not me and I do not know who or what this transaction is I was informed by the bank that the transaction was approved through XXXX XXXX I informed the man on the phone I do not own a XXXX XXXX at all I was told I had to wait for the transaction to post before I could dispute it and I did just that when the transaction was posted to my account I then called the bank back and explained what I was told and that this was not me after filling a claim I was told that there would be a credit posted to my account for XXXX in 10 business days and I received that credit shortly after I received a notice on XX/XX/XXXX in my email that my account was over drawn {$2900.00} I then called the bank to figure out what happen with my claim I was then informed that the claim was denied because there was a XXXX XXXX transaction months ago and it was not disputed so they denied my claim I asked the associate am I supposed to let some random person take XXXX form me and asked her what can I do to stop this she then informed me that I can provide evidence that I do not own a XXXX XXXX account as I had informed her my XXXX XXXX account was closed years ago she told me to then get evidence of this and submit the new evidence into the claims portal on my phone I then contacted XXXX XXXX and informed them of my problem and they gladly helped me with providing me with a email they sent when my account was closed in XXXX and that it was permanent decision I then took a screen shot of this email and uploaded it to the portal just as she said the next morning I woke up with my account locked due to unusual activity and to call the number that was posted on the notice and I did just that I spoke with a Customer support agent who then informed me that my account was indeed locked and she should not give me any more information and I needed to come in to a chase branch and provide two forms of ID so today XX/XX/XXXX I went to a chase branch to speak to a teller when i sat down with a teller she informed me that chase had decided to close my account all together when I asked her why what happened she told me it dose not say but she would call to find out what's going on I waited while she spoke with someone on the phone and she just went back to ( yes chase had decided to close the account permanently ) and that I could not open another account with them and that's all the information she could give she then told me I had a account balance of negative XXXX I was devastated I then asked her how what happened she then told me chase credit the XXXX to my account then took it out and reversed my claim word for word that's what I was told I then asked her what do I do I cant be expected to pay XXXX and I don't even know what happened or why my account was closed she told me she completely understand and if I did not pay the funds back it would go to a collections and I left the bank today devastated.

Company response to consumer: Closed with explanation