Checking or savings account -- Opening an account -- Complaint #8745120
Complaint Overview
Complaint ID: 8745120
Company: Jpmorgan Chase & Co.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Didn't receive terms that were advertised
State: Arizona
ZIP Code: 85022
Date Received: 2024-04-10T12:00:00-05:00
Date Sent to Company: 2024-04-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
PLEASE UPDATE PHONE NUMBER XXXX XXXX XXXX. On XX/XX/2024, there were fraudulent deposits made into my account by a guy committing fraud, per the bank. The bank had me come in XX/XX/2024 to have me file claims on the XXXX fraudulent deposits. Then the bank gave me replacement account and said all should be good so I will be able to pay bills, etc. Friday, XX/XX/2024, I called the bank to ensure it was okay to deposit my XXXX paychecks from working into my replacement account. The fraud department said that is fine for I can deposit and take money over counter. I go the bank on XXXX XXXX and XXXX XXXX to deposit the XXXX checks mentioned above and get {$40.00} but I ask the teller if account in good standing. She says yes, depsoit funds and gives me {$40.00} cash. Yet, on XX/XX/2024, I go the bank to get cash for lunch and gas but, told I can not access my money because it is on hold. I asked why? They said because XXXX of the fraudulent deposits were transferred into my replacement account. Therefore, I won't regain access to my money for another 3 days on the XXXX. I asked if there was anything she could do and she makes a call but on hold forever and because I was at lunch, I had to leave. I call the bank last night and get assistance on how could this happen? The gal explains to me that the bank did transfer those funds and that my money will be available the XXXX but the replacement account will be closed. I advised her that I have been without access to my money for almost XXXX weeks. I then asked her if the bills I paid on the new replacement account were getting paid and she advises me that all my payments will be returned! Naturally, I appreciate her assistance but, was upset because as I said what the purpose in the replacement account? Secondly, how can I take money Friday but not Monday? This all makes no sense but no one should be without their money for XXXX weeks when fraud was committed against me. The best part is I found out last night the guy probably use someone else 's account to commit the fraud in mine!!! Now today, my creditors are stating that since the payment returned I would have to pay double for car insurance because the policy cancelled so have to pay that and then restart new policy and pay more money. This is not right for the consumer should NOT be penalized. Please assist.
Frequently Asked Questions
What is Complaint #8745120 about?
Complaint #8745120 was filed against Jpmorgan Chase & Co. regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2024-04-10T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.