Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/XXXX I attempted to board an XXXX aircraft with my family of 7 ; 5 small children under XXXX and 2 adults. Two out of five of the children were " infant lap '' seats and would sit with 2 adult parents per the tickets purchased for {$1600.00}. 

Upon attempting to board the flight attendant informed us that our children would have to be separated due to the plane not having enough oxygen mask for the rows selected. 
This did not make sense to me as the tickets were purchased in advanced and the plane crew knew exactly how many seats were need with oxygen masks to accommodate my family of 7. 

I informed the flight attendant that I would not accept my children being separated. This is not what we paid for, nor will accept. My children have XXXX, children trafficking is at an all time high, and we would not be separated from our children. To avoid being arrested I decided to book a different flight with a different airline who could accommodate our family size, XXXX XXXX. I purchased XXXX tickets at {$650.00} each from XXXX XXXX on XX/XX/XXXX, with 2 infant lap seats as the same I did with XXXX. 

I attempted to recovery my funds/securities from XXXX Airlines via my financial institution where the securities originate and XXXX informed me to contact my financial institution. I then filed a claim ( Claim # XXXX ) with my financial institution, JP Morgan Chase Bank, N.A Member of FDIC - FDIC Cert # XXXX - on XX/XX/XXXX for incorrect billing issues due to the reasons listed above to recover my securities. My account ending in XXXX, was temporarily credited for {$1600.00} on XX/XX/XXXX. No one from JP Morgan Chase Bank, N.A Member of FDIC - FDIC Cert # XXXX, claims department ever contacted me regarding the incorrect billing issues but instead sent a letter on XX/XX/XXXX stating they will deduct my account ending in XXXX for {$1600.00}. When I contacted JP Morgan Chase Bank, N.A Member of FDIC - FDIC Cert # XXXX on XX/XX/XXXX to verify the details of letter, I spoke with the supervisor in claims named : XXXX. XXXX stated the merchant has claimed that my family was a " no show ''. This is not true claims by XXXX but rather lies to cover up their lack of available oxygen masks for a family of 7 ; whom 2 adults seated in the same row, with 2 infant lap seats would need to sit. XXXX airlines has lied regarding the encounters of the event that happened on XX/XX/XXXX. Therefore resulting in a incorrect debt billing issues because services WERE NOT PROVIDED. 

Per FDIC Regulation E and the Electronic Funds Transfer Act ( EFTA ) for debit cards and Regulation Z and the Truth in Lending Act ( TILA ) for credit cards. Once I notice unauthorized charges ( for example, your card was charged for goods or SERVICES NOT RECEIVED, XXXX XXXX did not provide services, but instead XXXX XXXX provided servicers, the merchant charged an incorrect amount, or the merchant charged your card twice ), - I must notify the card issuer within 60 days from the receipt of your billing statement showing any unauthorized charges or billing errors ; I XXXX be responsible for no more than {$50.00} of the unauthorized charge. 

JP Morgan Chase Bank, XXXX Member of FDIC - FDIC Cert # XXXX and the Trustee assigned to my securities have violated the FDIC laws, The Indenture Trustee agreement with the SEC, and have not honored my claim request per the FDIC federal laws and the JP Morgan Chase Trust Indenture Act of 1939 that govern them. Nor has JP Morgan Chase Bank, N.A Member of FDIC - FDIC Cert XXXX XXXXworked on my behalf as the investor/consumer to secure my funds/securities and honor my claim. 


JP Morgan Chase Bank, N.A Member of FDIC - FDIC Cert # XXXX has failed to protect me as the investor/consumer and all securities that I provide to the institution. JP Morgan Chase Bank, N.A Member of FDIC - FDIC Cert # XXXX Trust Indenture Act of 1939 section ( s ) not limited to ; ( a ) to file and prove a claim or claims for the whole amount of principal and interest ( or, if the Securities of any series are Original Issue Discount Securities, such portion of the principal amount as may be specified in the terms of such series ) owing and unpaid in respect of the Securities of any series, and to file such other papers or documents as may be necessary or advisable in order to have the claims of the Trustee ( including any claim for reasonable compensation to the Trustee and each predecessor Trustee, and their respective agents, attorneys and counsel, and for reimbursement of all expenses and liabilities incurred, and all advances made, by the Trustee and each predecessor Trustee, except as a result of negligence or willful misconduct ) and of the Securityholders allowed in any judicial proceedings relative to the Issuer, or to the creditors or property of the Issuer, Section 14.05 Subrogation. Upon making any payment with respect to any obligation of the Issuer under this Article, the Guarantor shall be subrogated to the rights of the payee against the Issuer with respect to such obligation, provided that the Guarantor may not enforce any right of subrogation with respect to such payment so long as any amount payable by the Issuer hereunder or under the Securities or Coupons, if any, remains unpaid. 

Per the letter sent from JP Morgan Chase Bank, N.A Member of FDIC - FDIC Cert # XXXX they will deduct {$1600.00} rather than {$50.00} from my account ending in XXXX on or before XX/XX/XXXX which will violates FDIC Regulation E and the Electronic Funds Transfer Act ( EFTA ) for debit cards and Regulation Z and the Truth in Lending Act ( TILA ) for credit cards. Which states " You notice unauthorized charges ( for example, your card was charged for goods or services not received, the merchant charged an incorrect amount, or the merchant charged your card twice ). Notify the card issuer within 60 days from the receipt of your billing statement showing any unauthorized charges or billing errors. You may be responsible for no more than {$50.00} of unauthorized charges. ''

Company response to consumer: Closed with explanation