Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Made an out-of-state automobile purchase and had to pay a down payment of {$1000.00} cash. When the merchant ( evolution cars ) debited my account without I called my bank ( chase JP Morgan ) and ask them to observe the debit, because I did not authorize it to be debited at that time. Meanwhile my chase bank takes over and without even informing me immediately cancels my debit card and files a dispute on the unauthorized debit. I want to make it known that I never requested or asked to file a dispute. A Couple of days go by and I receive a phone call from the merchant, asking me if I disputed the down payment. I briefly responded and stated I never filed any dispute. The merchant responded that he has no cash on file for me, and that this had to be expedited. In order to move forward with purchase the evolution cars requested {$1000.00} be paid by XXXX oclock cst on the specified date XX/XX/year>. Keep in mind my bank provider after disputing this transaction canceled my debit card. How could I ever meet the merchants request if I had to manually complete a credit authorization form? I didnt have a debit card to write a debit card number down with. It had to be printed off and manually written. Why would the merchant have to have my debit card info if in the beginning they debited my account by my account # and routing #? As a result of that, I made a trip to the local branch and withdrew the requested amount out of my everyday checking account, just to go down the street and deposit it into an outside source Account ( cash app ) so I could honored their deadline. ( See attachments ) Meanwhile, since this has began, this merchant has continuously brought havoc on me, my everyday life and my financial bearing. Ive been disputing this with Chase Bank and the merchant ever since the first unauthorized debit. the bank has given me a provisional credit and then they would reverse it back to the merchant. Because of {$1000.00} that was debited without authorization. Put my account in a negative balance however, I receive XXXX payroll direct deposit a month. Without any notice whatsoever or sending me any type of letter in writing chase has decided to place a restriction on my account, and I just found out that they are closing my account per chase, and will not provide any information as to their decision made. Meanwhile I have a direct deposit from my employer and they will not let me have my money. I dont owe any money to chase. I actually repeatedly deposited money in my account to make all attempts to make it right and Chase took over {$300.00} on overdraft fees. Any help and clarity would be greatly appreciated.. just like every living citizen I have bills to pay and my providers are calling me wondering where their payments are. Meanwhile, Chase Bank is just pondering and lingering and taking their time Ive respectfully and patiently asked them to expedite the process. I can not get anywhere with them whatsoever. Please help.

Company response to consumer: Closed with explanation