Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
CORE ISSUE : Chase Bank placed funds into my open checking account ending in XXXX on XX/XX/XXXX due to an internal processing issue after a prior account was closed. I have repeatedly notified the bank that I do not claim ownership of these funds and have requested their removal. Chase continues to analyze the original transfer instead of the XX/XX/XXXX recredit and has refused to remove the funds from my account. TIMELINE OF EVENTS : XX/XX/XXXX Two incoming transfers in the amounts of {$920.00} and {$100.00} were deposited into my account ending in XXXX. I notified the bank that I did not authorize these transfers and requested that they be reversed. Chase initially removed the funds from my account pending further investigation. The account ending in XXXX was later closed. XX/XX/XXXX Chase placed the same amounts of {$920.00} and {$100.00} back into my open checking account ending in XXXX. These funds were recredited by Chase after the bank indicated it was unable to recredit the closed account. XX/XX/XXXX Chase issued a letter stating that the XX/XX/XXXX transfers were authorized and that no adjustment would be made. However this letter addressed the closed account ending in XXXX and did not address the XX/XX/XXXX recredit into account ending in XXXX. XX/XX/XXXX and subsequent communications I clarified multiple times in writing that my dispute concerns the XX/XX/XXXX recredit into account ending in XXXX. Despite this clarification, Chase has continued to respond with template messages stating that the claim is closed or that the issue must be resolved with the sender. CURRENT ISSUE : The funds in the amounts of {$920.00} and {$100.00} that were credited on XX/XX/XXXX remain in my checking account ending in XXXX. Chase has repeatedly failed to address this recredit despite multiple written clarifications identifying the correct transaction. Despite multiple written notices explaining that the dispute concerns the XX/XX/XXXX recredit into my open account ending in XXXX, Chase has repeatedly responded by analyzing the XX/XX/XXXX transfers into the closed account ending in XXXX. As a result, the bank has not investigated the actual transaction currently in dispute. Chase most recently advised that this issue must be resolved with the sender or the senders bank. However the sender did not deposit funds into my current account. The funds were placed into my account by Chase after the original account had been closed. CONSUMER HARM : The continued presence of these funds in my account interferes with my ability to accurately manage my account balance and creates a risk of inadvertently using funds that do not belong to me. Despite repeated good faith efforts to have the issue corrected, Chase has continued to respond with template claim closure messages rather than addressing the transaction in dispute. RESOLUTION REQUESTED : Remove the XX/XX/XXXX credits of {$920.00} and {$100.00} from my checking account ending in XXXX and confirm that I bear no responsibility for these funds. Chase appears to have investigated the original XX/XX/XXXX transfers instead of the XX/XX/XXXX recredit that is the subject of this complaint. If needed I can provide supporting documentation for this claim.

Company response to consumer: Closed with explanation