Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Account # XXXX, XXXX I have a total of three accounts with Chase in which I will file a complaint. This checking account involves a charge in which the merchant received a message that the transaction was declined by Chase on Wednesday, XX/XX/2024. I left this store by the name of XXXX XXXX  and left the jacket at the counter with the merchant since my debit card transaction of {$7.00}, was declined. Later on that same day I went to XXXX XXXX to make a purchase of {$1.00}, which was declined by Chase. This decline of my transaction was perplexing especially since I knew I had funds to cover this transaction along with having overdraft protection. ( XXXX  XXXX ) I looked on my Chase app to see why my debit card was declined. I noticed the charge of {$7.00}, which I was previously told was declined at XXXX XXXX. 

This transaction showed pending in the amount of {$7.00} ( XXXX XXXX ) I immediately called Chase Claim Department at ( XXXX ) XXXX, to file a claim and was given claim number XXXX, by an employee named XXXX, I was discontent to find out that it would take up to 72 hours to get my dilemma resolved, Normally when this occurs, I am given credit to my account within hours of initiating my claim. I explained to XXXX this error is not my mistake, its Chase and I need this matter resolved immediately so that I could make this purchase while still in XXXX XXXX. XXXX transferred me to an employee by the name of XXXX who found what I was telling her about my dilemma amusing until I requested to speak to her manager, she immediately apologized and asked what else she could do to assist me. I requested that she assist me in making the purchase of {$1.00} since the error was made by Chase by declining my transaction at XXXX XXXX, yet deceptively showing this transaction is pending. 

I tried the transaction a second time only to find out it was declined for the again. ( See XXXX  XXXX AS of today, Thursday, XX/XX/, there an additional paid transaction of {$290.00} on my account with the transaction of {$7.00}, still pending. See XXXX  XXXX I asked the clerk at XXXX XXXX  to placed the necklace on hold and made a cash purchase today. See XXXX  XXXX Chase Account # XXXX, XXXX I had overdraft protection on this business account under XXXX XXXX in which I exceeded {$50.00}, therefore I was charged {$34.00} multiple times. Currently I am making payments on this closed account to bring it to a XXXX status. See XXXX XXXX XXXX Chase Account # XXXX, XXXX This was a joint checking account in which I shared with my late husband, I received a call from Chase Deceased Department advising me I have pending funds due to the passing of my husband and that proof of his demise was needed. I was also told that Chase mistakenly thought it was me that passed, but they were able to correct that error. I provided what was asked of me and the account was closed. I never received the funds. With everything that recently occured with Chase I hope to get assistance with this as well.

Last, but not least, I received an email about a {$35000.00} class action amount due to me. I went to Chase, as well as called to inquire about this. I was told to send the email I received to Chase Fraud Department. I did and have not received any further updates. See XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation