JPMorgan Chase & Co. Complaint

JPMorgan Chase & Co. Bank account or service department,

Checking account Deposits and withdrawals California

On -/-/2016 I went directly into a Chase local branch. I submitted a claim against a merchant who drafted $410.00 from my bank account without authorization. When I went in to the local branch on -, a representative filed a claim on my behalf. She stated to me that I would receive a provisional credit within 24 hours while they investigated the fraud claim. 72 hours after my visit to the branch, I called Chase because I did not see a provisional credit like I was supposed to see. This was the first problem I had with this claim. I spoke with a representative who stated that the case was closed because I had supposedly told the representative when filing a claim that I allowed someone to use my card. This is simply not true. There are only - employees in my company and all - of us have our own individual business debit cards therefore there would be absolutely no reason for anybody

After speaking more with the representative named -, I explained to her that even the merchant themselves did not know why the charge was made and that it was wrongful and that I would be receiving a reimbursement back from them. Unfortunately, the reimbursement never came. - then stated that she would be re-opening the case with the proper claim filing and that everything should be good to go. It was n't. Instead of everything being good to go, I get a fax on -/-/- stating that the case had been resolved and that it was closed ... This was the third problem I had with Chase. I then call again to try and figure out what is going on and why I had n't received my provisional credit or why Chase keeps claiming my case was closed and I speak to a claims escalations senior representative by the name of -. - stated after our conversation that they had already contacted - themselves directly and that they were giving the merchant 15 days from when I filed my initial claim on -/-/- to reimburse me my money or else - had approved a charge back and I would get my money back the day after -/-/-. I did n't. That was the - problem I had with Chase. I waited patiently a few more days since -/-/- was a Friday and I figured I would get my money back by Monday the next week. Monday came and went. On Tuesday -/-/- I call back and I am being given the runaround and am being told by Chase that they ca n't speak with me about this claim because I did n't give proper identifying information .... how convenient. Unfortunately for them I was fed up. I muscled my way to another escalations manager by the name of - who is trying to tell me that my claim was never handled because I allowed someone to use my card ... again I muscled my way through that - reason and got her to state that she would have to submit a claim because it was not submitted properly. I informed her that the claim was submitted on 3 prior occasions and if she means to tell me that I had to file a fourth claim that I was going to be filing a complaint against them with the OCC and the C.F.P.B. After a 40 minute conversation I finally got her to state that she is filing another claim and that I would receive my provisional credit within 12 business hours. It 's a shame that I no longer believe anything they say. Because I have had to spend close to 6 actual man hours attempting to get this resolved and have had to speak to multiple representatives who all had different answers and responses, I must file this complaint against Chase to you so that you hopefully see that what they are doing is ridiculous and outright wrong. Filing a claim of fraudulent charges should not be this difficult. If they are putting up this many road blocks for me, what are they doing with the less informed?