Complaint Review: JP Morgan Chase Bank
Note: I was assured on Saturday that the fraudulent funds would be removed by Monday morning and that everything would be going back to it's normal state. It's a shame that Chase doesn't diversify the difference between personal and/or fraudulent funds, why couldn't they put a hold on the funds that are assumed to be fraudulent while leaving your personal funds available for access?
Anyway, Monday evening I realized that my account had jumped from $600 (I withdrew some funds from my account in total of $600 that afternoon not an issue $1245-$600 ->ATM & Branch withdrawals) to just, $54.51! According to Chase, I had spent $1,116 Monday afternoon but how would that be possible seeing as though I don't have a debit card and there's a $500 limit at the ATMs? In other words, Chase appeases you with these credits when you report Fraud and then have the nerve to remove the credits from you without any kind of notifications because THEY FEEL THAT YOU are suspicious and are in fact a criminal. Horrible customer service, now at this point I decided to dispute the issue again and then at this point after being shuffled through the portals of chase I eventually discovered that my account was restricted and placed on a hold..WTF to make a long story short I had an hour long conversation with some foreigner which ultimately led to her speaking with her superior to have the hold removed, GREAT. By this time they had also assured me that the system would update and that I would have an even higher available balance on the next day. Tuesday December 18, 2012 now my balance is in the ball park of $361, now mind you I had made a $400 cash deposit Saturday afternoon (December 15, 2012) why in the hell is my balance so low? Well the customer service rep stated that it was because I had withdrew $300 from the remaining $600 balance I had on Monday. WHAT? You see how confusing things are getting here? According to her I had made 3 $300 withdrawals on Monday? That's totally false. I only made two, one from the ATM and the other was done in a branch. However, that still doesn't explain how it jumped from $600 to $54 all in one day on Monday.
Note: If the process of the fraudulent funds being returned was in fact the reason for these ''inconspicuous'' debit transactions then by all means please proceed to get that s**t out of my account. But can I at least get a notification? Or some kind of alert letting me know that these debits will be occurring?
Anyway, after disputing more on Tuesday afternoon I spoke to another lady in the claims department (A senior claims analyst). She was more friendly and helpful and decided to REOPEN my claims and credit my account a second time but with the $200 ATM withdrawal involved.
Note: They also denied my claim that morning and took away the $240.00 credit from my remaining $361 balance leaving me with roughly $121 left.
After these two credits had been placed on my account I was standing with a $541.61 balance in my account, ok great...I think. That day I didn't spend a thing, didn't touch the money, NOTHING. But Chase did, they withdrew over $600 from that remaining balance ultimately leaving me with a $-34 in the hole. WTF. Afterwards, I spent the remaining day disputing with these people from seniors to seniors, to reps to reps it was exhausting. I also had to speak to a guy named Kevin in the Loss Preventions department in order to get the restriction that was placed on my account removed.
Note: So here I am doing three jobs at once, disputing the fact that these credits were removed 2x in a row from my account + the fraudulent checks (Which I DID not authorize) and working with Kevin to get the hold that was supposed to be removed from my account a day ago finally removed once and for all. Terrible
I had also been notified or lied to shall I say, that my $400 cash deposit that "I" MADE WITH MY FUNDS (Saturday December 15, 2012) was never posted to my account but was in fact, rejected. So there's the 4th problem that must be dealt with and after speaking with more analyst and reps they concluded that I go to the branch that I made the deposit to see if it can be reversed. NO WAY
So far, as you can see Chase has been jerking me around and giving me incomplete answers, assuming that I compromised my own pin, they're being unethical, withdrawing available funds from my account without any sort of heads up or alert, withdrawing credits that are DUE TO ME but they feel should not be and more.
Now my account is withdrawn over $500 (it goes up over night) due to their shady acts and Christmas is just in a few days. You can't help it if you become a victim to fraud and of course yes, you can do your part to protect yourself however, as a bank there should always be a sense of collaboration between the bank and the customer. It should never get this bad and customers should be heard out and listened to. I have too much proof to prove that I never made these transactions but Chase isn't buying it. So far, this issue has gotten so bad that I took this to the executive office (thanks Sheray Franklin) So, there you have it feel free to send over any donations or words of encouragement! Happy Holidays.
This report was posted on Ripoff Report on 12/19/2012 08:59 AM and is a permanent record located here: http://www.ripoffreport.com/reports/jp-morgan-chase-bank/internet/jp-morgan-chase-bank-chase-fraud-dept-friend-or-foe-internet-984308. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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