JPMorgan Chase Bank Account Or Service Complaint

JPMorgan Chase Bank account or service department,

Other bank product/service Making/receiving payments, sending money Louisiana

I had an unauthorized charge on my debit card for $140.00 from a book merchant in -/-/2014 so I called my bank to dispute the charge & was told that as a courtesy, the charged would be reversed while they investigated the issue. In -/-/- I learned that my account had been overdraft into a little over $200.00 but since I did n't sign up for overdraft protection I figured that whatever the charge was ( because I had n't used my debit card any that month so it did n't come from me ) that it would be revered & thought nothing else of the matter. I received a letter about the issue & called but a recording came on about some type of trip/vacation giveaway/promotion & then something about high call volume & then the phone would disconnect but again I was thinking that the issue would be reversed because I is n't have the overdraft protection. In - I received the same letter but now the overdraft totaled a little more than $200.00 & I was thinking how is this possible I have n't used my card since -/-/-! So I called my bank & was told


that issue. The manager got on the phone and asked how could she help and I asked why was the charge reversed and why had n't I been notified of that action. She told me that the company said that the book return was late so the charge was reversed, now I 'm perplexed. I dropped the book off at the - location weeks prior to the due date so what - did after I dropped it off had nothing to do with me plus it was in the month of -, - holidays, busy month, etc how can I be faulted for that and plus they still have the book in question that apparently you just informed me that I 've paid for! Why would you reverse a charge to a company that I returned unaltered, non-damaged goods back to? I was then told that I would have to contact that company, wow! So I asked for and was given the number to ecampus.com books, was told someone would return my call to help me with the issue but after - days I had n't heard anything so I reported them to the BBB at the end of - and to date the BBB has not gotten a response from this company although they have until -. It 's a little disturbing to learn that a bank that 's suppose to secure your money can complete a unauthorized charge investigation be told something to contradict their consumers claim & they just release your funds just like that without warning, notice or follow up, nothing given to you so that you can argue or provide proof to that dispute. When I disputed the charge I told the bank CS agent when I mailed the book & that maybe the company has n't received it yet because of the holidays but that I dropped the book to - almost two weeks before the book was due on the - of - & I know this because they sent a reminder that the book was coming due and then another - stating if I needed more time, etc which I did n't because I had already shipped it. So even knowing this ( I know they put notes on cases ) the bank still chose to reverse the credit and did so without warning or notice about the investigation & their choice to reverse a $140.00 charge based off a company saying the book was late '' not that they did n't receive the book ( which would have been opposite to my claim of me returning the book ) but it was late! I paid for a book that I do not have because my bank thought it best to reverse a charge that was unauthorized simply because the book company said it was late all without notice or investigation follow up choice & that 's highly unacceptable in my eyes.