Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXXXXXX XXXX  I received a phone call from Chase Fraud about some suspicious charges to my business account in Ohio at a XXXX XXXX store for {$1000.00} dollars. I told the caller that the charges were not mine and it must be fraudulent. The Chase caller was able to provide me details of previous transactions from the business checking account with exact amount. They knew all my bank account details when I did not give the Chase caller any personal information to access my banking information, which lead me to believe that this was probably a legit call. The Chase caller said that my account will be frozen and I will not be able to access. After I hung up, I checked my bank account and the charges from XXXX XXXX was not there. I assumed that the fraudulent charges did not go through because the Chase caller cancelled the transaction. 

Later that evening, I logged into my account and noticed that there were two wire transfers in the amount of {$48000.00} and {$49000.00} that I never authorized. Because I did not have enough money in my business account to cover the total amount of {$98000.00}. However, they were able to get into my personal savings account and transferred {$40000.00}, {$90000.00}, and {$70000.00} to the business checking account. My wife called and alerted Chase regarding the transactions and they were unable to help her and did not deem it fraudulent since it was my business account. My wife asked Chase to freeze her account, but found out later that her account was never frozen. I contacted Chase immediately assuming that they were going to cancel the transaction while it was pending, which they didn't. I received eleven emails from Chase the same day. I have attached all emails from Chase. 

On XX/XX/year>, my wife went to a local Chase bank to get help, but the bankers told her they do not deal with fraud and provided this number XXXX to file a claim. The bankers told my wife the account was never frozen and printed her a copy of the personal bank statement transactions. My wife provided me with the claims phone number. I tried calling after work, but the fraud department was closed. 

On XX/XX/year>, I called at XXXXXXXX XXXX to formally open a dispute regarding these two charges. They told me it will take 3-5 days before they can conclude the investigation. Then I went to a local Chase bank to open up a new business account at the recommendation of the Chase customer representative. On XX/XX/year> I called Chase again and they repeated the same thing as the previous call on XX/XX/year>. On XX/XX/year>, I contacted Chase again to check the status of their investigation. They said that it will take up to 60 days to complete the investigation. 

On XX/XX/year> I received a letter from Chase stating that they have closed my case and will not be reimbursing my money. This prompted me to do more research and looked deeper into my online banking account and I discovered a fake authorizer user added to my account in order to authorize transfers between both business and personal accounts. 

On XX/XX/year> I went into a local Chase branch and spoke to one of the bankers. The banker contacted the fraud department to check the status of the dispute. It was explained to me that XXXX XXXX ( the bank that received the unauthorized wire transfer ) was waiting for a Hold Harmless and Indemnity Agreement from Chase. I have no idea what this letter or agreement means. Furthermore, they stated that the {$49000.00} can not be reimbursed because the money has already been taken. As of today, Chase have not made any attempts to return my money. I requested details of their investigation and nothing has been provided to me. I have pursued all options that Im currently aware of such as police report, FBI report, FTC report and other next steps as necessary.