Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On or about XX/XX/XXXX a charge was pending on my checking acct from a company I had used the previous year for flying lessons. I had not used them since XXXX of XXXX!!! When I saw the charge I immediately called chase and cancelled my card of which they gave me a condition credit of {$410.00}. Then the overseas claims dept completely took XXXX wrong information and said I never had any relationship w this merchant and I was floored when I read that. Chase over turned the credit and took my money. I then stormed into a branch demanding to get this issue fixed whereas once again it was conditionally credited but then about XXXX weeks later it was once again going to be taken out as they said the info I provided showed it was authorized and I was floored once again. I took out all funds so my money could not be stolen again. I marched into the bank again about XX/XX/XXXX or so explaining to the branch manager of which he called and attempted to explain the situation. Note : this merchant did not send the XXXX page of paperwork which clearly showed the only card on file to be used in the event monies were owed or over due was a CREDIT card. I also had sent that page showed my signature and the only card but chase can not can not seem to get a grasp on this very simplistic fact. Now my acct is over drafted for {$430.00} I believe until I can once again show them this merchant intentionally did not send the page showing the Only card to be used. I made cash payments and a credit card payment and ( XXXX ) authorized payment to this merchant in XXXX wherein they or he saved my card number of my debit card and then alleging there was still money owed 6 months later ran that debit card knowing fully that it was not authorized and was illegal. This is a simple case of Chase having incompetent people over seas working for them. I have a signed Document showing a credit card on file with my signiture which was the only one to be used if monies were owed at a later date or werent paid. I presented that piece of paper, the one the merchant forgot to send with the other XXXX page agreement and it seems they still need to scratch their heads to figure this out. Iam so stressed and spent hours attempting to fix this XXXX XXXX problem of my money being stolen from me and the bank being so incompetent to fix it or get it back. The only assumption I can draw from this is either the claims department overseas is completely incompetent which I believe they are as the lady I spoke w initially on or about XX/XX/XXXX for the initially complaint that wrote I had no relationship w or knew nothing about this merchant, that started this whole mess and or the Merchant has a bank acct a Business Acct with Chase and his acct is much larger than mine monetarily so they are siding with him. It makes absolutely XXXX sense and any high school or middle school young adult acting as a claims go between person could figure this out. No signed ir verbal agreement w my debt card on file then = no authorization especially XXXX a year later the card is used. Please help or assist me with this issue as I do not want this turning into a collection issue and then it ending up on my credit report. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation