Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2024 at XXXX XXXX., I attempted to deposit {$300.00} in cash into the drivethru outside ATM of the JP Morgan Chase bank located at XXXX XXXX XXXX in XXXX XXXX, XXXX This particular drive-thru ATM has had numerous problems and issues making deposits over the past couple of years that I've been noticing. I've even had the ATM stop working midway through my transaction and after 5 minutes it spit my money back out and the screen read that the atm was temporarily out of service and I had to go inside to use the ATM to make my deposit.. 

On XX/XX/2024 when I attempted to deposit {$300.00} into the drivethru ATM, it started to flip out again and eventually it returned several bills to me that I ended up having to pick and dig out of the money puller because it wouldn't spit the money all the way out. This ended up being exactly {$25.00} in {$1.00} bills that the ATM returned to me..Next, the ATM stated on the screen that if I wanted to continue with the deposit that two additional bills would be returned to me. So I said okay I'll just take the rest inside to deposit because this ATM machine is flipping out again. 

After waiting nearly 5 minutes to get the two bills returned to me and hearing all kinds of mechanical movings going on inside the machine, the ATM eventually just printed out a receipt and said thank you like everything was fine, only i hadn't been returned the 2 bills that the machine stated would be returned.. 

The receipt ends up stating that I had a cash deposit of {$240.00}, and after accounting for the {$25.00} cash that was returned it would make it $ XXXXSo I was missing exactly {$40.00} which was the 2 bills that the atm stated would be returned and never was before the transaction was finalized and that would have been 2 {$20.00} bills... 

Never having gone thru this before, I had no idea how to correct this problem but contact the bank the next morning which was Monday XX/XX/2024..After calling this particular Chase Bank, they immediately gave me an XXXX number to call which handled all ATM issues and I eventually ended up putting in a claim for this {$40.00} that I was missing.. The operator who I was talking to didn't seem to understand what I was saying so I repeated myself several times that my entire deposit which should have been {$300.00} ended up turning into only {$240.00} deposit after the ATM spit out {$25.00} in {$1.00} bills and never returned the two additional bills that it said it will return but ultimately didnt.. 

So at the end of the day my account is short {$40.00} and since I put this claim in they ended up putting in a temporary credit for the entire XXXX I didn't ask for them to return {$300.00} to me, I asked for the return of the {$40.00} that i was shorted.. 

Now on today XX/XX/2024 I get an email that I have a notice in my online checking account concerning this claim. And it stated that their calculations are correct that my entire {$300.00} was deposited and thats impossible since i had {$25.00} in my pocket that was returned to me by the ATM as well as the {$40.00} thats still missing..The receipt clearly shows only {$240.00} was deposited and I was returned {$25.00} all in {$1.00} bills and that's a discrepancy of XXXX 

This is what I stated or had my son state for me on the recorded line since I have hearing problems..They advised that they were recording the conversation and if they were recording this then they can go back and play this over..I never said I was missing {$300.00} I was missing {$40.00}. And now they're saying they're going to withdraw the entire {$300.00} out of my account on or before the XX/XX/2024. 

They never should have credited my account the entire {$300.00} in the first place because I didn't ask for that, I asked only for what I was missing which was {$40.00} which was those two bills that the ATM never returned and the ATM also did it's normal routine of breaking down right after it didn't return those two bills. I am not going to allow this bank to take {$40.00} from me because they can't find their error. It shouldn't be my burden to prove this ATM 's error when I'm sure whoever went out and serviced that particular ATM would have clearly seen that money was probably jammed in that ATM somewhere.

Company response to consumer: Closed with explanation