Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On Thursday XX/XX/year> there was a {$20000.00} check deposited into my Chase checking account by a third party. They then withdrew the check in multiple amounts- {$18000.00}, {$3000.00}, and {$4000.00} increments, leaving my account in the negative for XXXX. I have had this account for over a decade and NEVER had a negative balance or overdraft fee-I had {$1400.00} in the account before the fraud-so when I called Chase I was considerably XXXX. 
The person I spoke with assured me that it wasnt fraud, but instead a banking error. I was told the bank deposited the check into your account by mistake and that the negative balance and odd withdrawals were the bank taking the check out and trying to fix it. 
I repeated that there were several withdrawals to her but she continuously ignored the {$3000.00} withdrawal and would only repeat back the XXXX and XXXX withdrawals. She assured me it would be fixed within forty-eight hours and told me to make a claim with the claims department-she started to transfer me, but then came back and said [ I ] didnt have to talk with anyone there after all. She reassured me again it would be fixed in XXXX and disconnected-even though the call shouldve ended with a survey. 
I thought this was odd but I trusted her and took her word, since one of the withdrawals was already marked as on hold. 
Two days later on Wednesday XX/XX/year> nothing had been done, so I called Chase again. This time Chase decided that it was fraudulent activity instead of a banking error. The person I spoke with told me a hold would be put on the account and recommended I go to a physical Chase branch and open a new account, since the old account is now compromised. 
This is extremely upsetting, since my payday was in two days and not only am I STILL cut off from my savings, but now Im not going to get my paycheck, either. 
I went with my husband to a Chase branch and went to open a new account.

I explained the situation to the teller. The teller opened a new account for me but said [ he ] cant do anything to correct a negative balance ( if there is one ), [ the banks ] back-end would have to do that.

He assured us regardless that all would be fixed in two to three business days. 

Three business days later on Monday XX/XX/year> I checked my account, saw my new account STILL had a negative balance, and went to a Chase branch to report it to someone who couldnt hang up on me.

He asked if I ever had had checks printed for the account, or if I used them at all-which I said I didnt, because I dont use checks.

This teller opened another claim and gave me the number for it. This time it would take Chase two to five business to fix my account and let me access my savings and recent paycheck. Chase will reach out to me via phone call when theyve restored my account. 
As of today, XX/XX/year>, my Chase account is still negative. Its business day four out of five for my claim, so, once again, I get to wait until next week.

Company response to consumer: Closed with explanation