Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Re : Failure to Stop Erroneous Transfer Despite Immediate Notice / Negligence in Fund Recovery Amount in Dispute : {$1300.00} Date of Incident : XX/XX/year> Involved Institutions : JP Morgan Chase Bank ( Recipient Bank ) / XXXX  ( Sender ) Statement of Facts : On or about XX/XX/year>, a withdrawal was initiated from my XXXX XXXX ( k ) in the amount of {$1300.00}, intended for my personal checking account at Chase Bank. Due to a clerical error regarding the account number ( specifically, a transposition of the 2nd and 3rd digits ), the funds were routed to an account at Chase Bank that does not belong to me. 
Immediate Notice Given : On the very day of the deposit, I identified the error and immediately contacted XXXX. XXXX instructed me to contact Chase Bank directly to stop the funds. I immediately contacted Chase Bank support. At the time of my call, the Chase representative confirmed that the funds were still " in process '' and had not yet fully cleared or been withdrawn by the recipient.

I provided Chase Bank with actual notice that the account number on the incoming check/transfer did not belong to me and that the deposit was erroneous. I explicitly requested that the transfer be rejected or frozen to prevent misappropriation.

Bank Failure : Despite my timely notification while the funds were in Chase 's possession and control, Chase Bank failed to exercise ordinary care. They allowed the funds to settle into the incorrect account and presumably allowed the unauthorized third party to withdraw or spend these funds. 
Legal Basis for Complaint : Negligence : Chase Bank had the opportunity and the duty to stop the processing of a transaction once they were put on notice of the error. 
Unjust XXXX : By failing to act, XXXX facilitated the unjust enrichment of a third party who has no legal claim to these funds. 
Failure to Investigate : Subsequent to the loss, the bank has failed to conduct a meaningful investigation or provide me with the identity of the individual who received my funds so that I may pursue civil remedies for Conversion.

Resolution Requested : I am requesting that Chase Bank immediately credit the {$1300.00} to my correct account. The bank is liable for this loss because they failed to stop the transfer despite receiving immediate notice before the funds were dissipated.even after the fact I continued communicating with XXXX and Chase Bank and no help from either I even went into a Chase Bank spoke with XXXX XXXX Lead Associate Ops in XXXX Location and together we called XXXX and still no results she understood what was going on clearly seen the issue but couldn't help me as well so she said she'd send it to another department thay would help me and again I got nothing ever since this created a dominoe affect that lead to losing my place my lady and kids and ended up losing everything since all I asked for was help to get what was rightfully mine I worked for it yet because nobody cared about what was going on in my life someone else that had no right to my money was able to enjoy and spend and didnt even say anything knowing it didnt belong to them and here me on the other hand going threw misfortunes its not fair if it wouldve been XXXX XXXX  I bet they wouldve fixed it right away but because I had no money in my account just had a son thays why I made the withdrawal to kinda stay ahead yet just went the opposite

Company response to consumer: Closed with explanation