JPMorgan Chase & Co. Money Transfers Complaint

JPMorgan Chase & Co. Money transfers department,

Domestic (US) money transfer Other transaction issues Massachusetts

I have already filed a complaint against -, so this complaint is relevant only to Chase Bank. As I have learned, - ( a subsidiary of - ) collects and processes ACHs through Chase Bank. I do not have nor have I ever had any accounts with -. On -/-/16, I notice an unauthorized debit for $2000.00 from my - account from " - PYMT '', which overdrew my checking account by about $500.00. I go down to a - Branch in New Hampshire and tell an employee about this ( I think the branch manager ), and I am told in no uncertain terms that ACH transactions that are currently pending ca n't be disputed, and that there is absolutely nothing that can be done until it posts, which will occur the next business day. I was instructed to return the next day to file a dispute in writing ( the - ) which I did.


false. I received a copy of the discussion between - and Chase bank ( attached ). - opens the discussion by stating to Chase bank that - customer ( me ) was claiming that this transaction for $2000.00 was unauthorized. - requested that Chase either return the money to them or to fax - their evidence suggesting that I approved of the transaction. JP Morgan Chase replied by providing them with a paper containing numerous identification and trace numbers. What it did not contain was my signature or my voice authorization to debit the account. In fact, the second sentence of Chase 's reply to - was this : " Please notify J.P Morgan if the receiving client is disputing its validity and requesting a return. '' I reported - to the CFPB, which is ongoing. Money was fraudulently debited from my account from - - to pay a car loan that is not in my name. Chase bank processes payments for -, since they are n't an actual real bank. Thus, Chase made an unauthorized withdrawal from my checking account at the request of - -, and then credited that withdrawal to - -, who in turn credited it to whatever customers of theirs paid their car loan with it. I did not authorize Chase ( or anyone else ) to withdraw this money from my account. Chase responded to - notification that the customer whose - account they debited was alleging the transaction was unauthorized not by returning my money to -, but with a " proof of authorization '' that contains transaction numbers and descriptions, but no actual proof ( voice or signature or anything ) suggesting that I approved the transaction. The second sentence of this reply to - request for Chase to reverse the unauthorized transaction actually suggests they are unaware that - customer " is disputing its validity and requesting a return. '' Despite Chase 's inability to provide any evidence that I authorized the withdrawal of $2000.00 they made from my account, - decided to rule that this transaction was authorized. When Chase bank received this dispute notification, they should have either provided evidence that I did in fact authorize the transaction ( which they ca n't, because I did n't ) or give the money back to - so - can return it to me. Instead, they sent - not the money they should have returned, but the letter I attached describing the transaction, trace number, amount et cetera, and that did not appear to comprehend - original claim that their customer was claiming that the transaction was UNAUTHORIZED. When Chase was notified by - that - customer from whom Chase debited $2000.00 was claiming that the debit was UNAUTHORIZED, Chase should have returned the money to - immediately based on Chase 's lack of evidence that I made this transaction.