Product: Checking or savings account

On XX/XX/2022 I was a victim of bank fraud, identity theft that occurred because I was trying to get a personal loan through a company called XXXX XXXXXXXX XXXX. My complaint is against JP Morgan Bank, their carelessness, inconsistent information, reversals on ACH transactions disputed by the fraudulent loan person from XXXX XXXX XXXX ( which does exist ) lack of protection for my account and complete mishandling from the beginning. I am having to declare bankruptcy and might lose my car. 

I reported fraud to the FBI, report # XXXX, the XXXX XXXX XXXX. case # XXXX and my last interaction with JP Morgan Chase and their Executive Office case # XXXX. I also filed s report with the XXXX on XX/XX/2022. 

These are the events that occurred : I believed I was approved for a loan up to {$5000.00} by XXXX  XXXX XXXX after filling out an online application. I was called on XX/XX/XXXX th by a XXXX XXXX, ( who does not exist ) He informed me in order to receive the loan, my credit needed a boost and in order to do that, he needed my personal checking account number and social security number. He said XXXX XXXXXXXX XXXX would transfer a verification amount of {$1000.00}, and that I needed to wait an hour, then refund it back to them. When the funds came in, he directed me to send it back via my debit at XXXX with s barcode he sent me. Thus began a awful chain of events which has resulted in a - {$4700.00} against me in my personal checking account at Chase. 

XXXX impersonated me online and disputed all ACH transactions from a CLOSED loan with XXXX XXXX. He also disputed my therapist transactions and my first 2 transactions on my refinanced car through XXXX XXXX XXXX XXXX for XX/XX/2022 & XX/XX/2022. Chase then isdued temporary credits to my account. It was these funds that XXXX used to pretend he was giving me a loan. The irony is thst my new car loan XXXX were the ones who alerted me that my payments were rejected and that is how I discovered the fraud. I first met with my local banker at Chase to find out what had happened. She put a freeze on that account and then advised me to open a new checking account which she said was separate from compromised account, which I should have never done, and she turned all information over to Chase Fraud. I can not even describe the tears and frustration I have cried, the fact that I am now so in debt I can not buy food regularly and may lose my car, filing bankruptcy and have repeatedly taken small payday loans just to get to work.My son is paying our rent. By opening new account, I thought I could safely deposit funds, make a car payment and pay bills. Also during this time my tax refund was direct deposited and all was lost as Chase determined fraud was my fault ultimately, and they rolled the negative balance of compromised account into my new account which then put that account into a negative balance and my third car payment to XXXX did not ho through, all my bills were rejected and I accumulated fees from thise merchants. I confronted Chase, who informed me they paid XXXX and 2 other ACh transactions that had been disputed by XXXX, but refused to pay XXXX or acknowledge the mistakes made along yhe way, opening new checking or that the fact I lost my tax return as well. I repeatedly submitted information to Chase, filed police & FBI report and have since giled report with XXXX which led to the Executive Office of Chase decision to look into the fraud. Their determination was I was responsible because I used my debit at XXXX to send funds back to the fake lender ( which were my own ) in the very beginning. I was also informed that I called and CANCELED my claim. Now I am furious. I asked for proof since all calls are recorded. They have not provided it, also I asked them to reimburse XXXX for the first transactions that were disputed by fraudulent XXXX and I asked for documentation that fraud occurred so I could submit to the IRS in hopes of recovering my tax return. They have done none of these things only left a voicemail saying they determined upon review that I canceled claim and therefore am still responsible. Of course I now bank elsewhere, at XXXX XXXX XXXX XXXX, and the only bill I can keep up on is my car loan which I am 60 days behind on due to this. I am only able to pay my current utilities and my son has been paying our rent. I have all documentation and bank statements to support my complaint. 

I am filing this complaint because I hope others like myself, who lost job due to COVID, suffered great personal tragedy as a result and XXXX XXXX, will not make the same mistakes I did.