Product: Checking or savings account

To Whom so ever concerned, XX/XX/XXXX I would like to inform you, someone opened a Chase online account using New York address ; XXXX XXXX XXXX XXXX XXXX, XXXX New York, Zip code XXXX under my information and Chase Bank approved it, and hence XXXX $ was stolen from my chase checking and saving account using Debit card XXXX which I did not authorize or requested and my money was withdrawn via the ATM at the XXXX New York location. I have been residing in XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX zip code since XXXX and never changed the address, never visited New York in the past 10 years, and not having any known contacts there. Chase bank did not bother to confirm my information especially my Address prior to allowing someone to open a XXXX online account or sending Debit card XXXX to New York address in my name which I never requested. Chase bank refuses to refund me the money I lost XXXX $ + XXXX $ from my checking account ( XXXX ) and yet acknowledged it is Fraud for the amount XXXX $ which I lost through my savings account XXXX XXXX ) and refunded it. Moreover, all my money was withdrawn via ATM at XXXX XXXX using Debit card XXXX from my both checking and saving account by someone without my authorization. This discrepancy with CHASE XXXX DEPARTMENT in concluding fraud when it comes to XXXX $ lost via my savings account and refunding the money on XX/XX/XXXX whereas refusing to refund the money I lost in checkings XXXX XXXX + XXXX $ XXXX I could not understand these inconsistencies in refunding. I understand that this is an IDENTIFY THEFT, however, how can chase bank or any other bank personal ( Fraud department ) not bothered to verify this information prior to approving opening an online XXXX ( XXXX account ending number ) bank account by someone in my name resulting in the substantial amount of withdrawal of money via ATM within 3 days time on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, ( I lost totally XXXX $ from both chase checking and saving account ). This would not be an ID THEFT if chase did not approve it and CHASE BANK allowed it by approving the unauthorized opening of an online XXXXXXXX account and mailing XXXX debit card to a completely different address without prior verification with me. Therefore, I hold CHASE BANK totally responsible and expect them to accommodate me by refunding all unauthorized transactions. I have also filed an ID Theft report at the Local XXXX police station on XX/XX/XXXX and filed an FTC report and sent copies of those reports to the CHASE CLAIM Department on XX/XX/XXXX upon their request. The Chase Claim department has been rejecting my claims ( for the money I lost in checking account {$29000.00} + XXXX $ XXXX despite multiple explanations and numerous phone /mail correspondence with the Chase claim department from XX/XX/XXXX to date. This incident has been causing me both physical and emotional distress by being a loyal customer with chase Bank for the past 10 years. I have been saving my money to accommodate my childrens college education and I sincerely request If you could please take appropriate and timely action to my request. 

Please Note : On XX/XX/XXXX, I have filed claims with chase bank regarding my lost money and unauthorized ATM Transactions using a XXXX Debit card XXXX claim numbers XXXX for XXXX $ and XXXX for XXXX $ and XXXX for XXXX $ XXXX. 

Fraud Tracking Number XXXX Reported Date XX/XX/XXXX ; XXXX XXXX  at Local XXXX Police Department. 

ID Theft FTC Report number XXXX on XX/XX/XXXX. 

I really appreciate all your help, in sorting out this issue with Chase Bank and Chase Claims Department. 

Thank you very much, XXXX XXXX XX/XX/XXXX.