Consumer complaint received 2022-08-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Account : SAVINGS CHASE PLUS LAST XXXX DIGIT # XXXX Account : CHECKING CHASE XXXX LAST XXXX DIGIT XXXX Claim # IN CHASE : XXXX Require identity restoration and reimbursement of funds withdrawn in fraud Greetings, I am XXXX XXXX XXXX, and I have been a victim of fraud against my Chase bank accounts identified above. 
I need recover my Identity and my regular access to my accounts and the total amount of {$90000.00} as a result of a series of frauds committed and facilitated by Chase bank against those banking accounts. 

I need the restitution of my rights as legitimate and exclusive owner ( account holder ) of the banking products that are going to be identified below. 

The amounts subtracted from my bank accounts, by means of fraudulent methods, originated from the alleged telephone call of someone who, usurping my identity, used bank operator XXXX XXXX, on XX/XX/XXXX, who without confirming properly my identity and without verified the telephone number registered by me, proceeded to create a personal telephone key or password for the identity thief, after which, explained in detail below, same telephone operator authorized the replacement of the debit card in use that ends in XXXX previously granted for me by Chase, limiting my access and management of my personal accounts, with the previously indicated consequences. ( cfr evidence via email received the same day at XXXX p.m. ). 

In effect, once the impersonation of my identity was attempted through fraud, on XX/XX/XXXX, Chase proceeded to pay the following unauthorized banking operations : I. Counterfeit check cashed from my savings account ending in XXXX, in the amount of {$57000.00}. 

XXXX. Fraudulent ACH withdrawal in the amount of {$32000.00} from the savings account ending in XXXX, and, XXXX. Fraudulent ACH withdrawal in the amount of {$110.00} from the savings account ending in XXXX. 

In addition to the theft of the aforementioned amounts of money, the Chase telephone operator canceled my debit card in possession that ends in XXXX, ordering its replacement with another that ends in XXXX, which never arrived at the address registered for me with the Bank. 

As a result of this, after admitting my impersonation as valid, Chase has blocked my access to the accounts of which I the legitimate owner, granting personal telephone credentials to the usurper that I have prevented from maintaining my rights to manage and control of my funds in money deposited and entrusted to Chase. 

Therefore, with the purpose of this claim, I propose this claim on the facts and evidence that are listed and attached below : a. My Identity and banking relationship with CHASE, XXXX XXXX XXXX XXXX, with XXXX passport No. XXXX, a the holder of the following bank accounts, card, and checkbook before CHASE : 1. Chase Plus Savings Account ( Savings Account ) last XXXX digits : XXXX XXXX. Chase Sapphire Checking Account ( " Checking Account '' ) last XXXX digits : XXXX XXXX. Chase debit card, last XXXX digits : XXXX, with an expiration date of XX/XX/XXXX. 

XXXX. Active checkbook against account, last XXXX digits : XXXX, with consecutive numbers from XXXX to XXXX, for a total of XXXX checks. 

The personal email : XXXX. 

b. Detailed list of the facts before, during and after the activities carried out in fraud against me. 

In a thread about that initial message ( via XXXX ), there was an exchange of communications between Chase and me, through which the bank replied that they could not stop the process of issuing a new replacement debit card and they asked him to contact the institution by telephone. 

Given the lack of communication from Chase, I sent another written communication via XXXX, requesting the opening of an investigation into the fraud of which I has been a victim, through the operator identified as XXXX XXXX, informing Chase that at no time prior to the claim, did I have a telephone conversation to make changes to my account ending in XXXX. 

The bank, despite having been alerted via XXXX of the ongoing fraud, without prior confirmation from me, as the legitimate owner of the bank accounts, executed the delivery of the amounts of money stolen from their accounts. 

The delivery of the card ending in XXXX that was issued as a replacement for the one in my possession ending in XXXX, never reached his registered mailing address. 

Chase assigned by telephone to a third party unrelated to the ownership of the bank accounts that end in XXXX and XXXX, a password for telephone operations that I never requested, and with this, it has allowed, in a manifest inexcusable error, the impersonation of my identity for the control and management of his bank accounts with Chase, facilitating the perpetration of fraud against me. 

Due to the previously described fraudulent actions, the person who, usurping my identity, received the verbal password proceeded to carry out the following withdrawal operations not recognized for me o as the owner of the bank accounts, to also steal money fraudulently from the bank account, as listed below : First : Forged check with XXXX. XXXX and illegible signature that does not correspond with my signature registered in Chase ( and that also does not correspond to the current numbering of my active checkbook as legitimate account holder ) cashed on the XXXX of XXXX, identifying as beneficiary : XXXX XXXX for the amount of XXXX {$950.00}, charged to the checking account ending in XXXX. Of all the withdrawals executed in fraud on my accounts, this amount of money, after several claims presented by me through XXXX was reversed by the bank on XX/XX/XXXX. 

Second : Forged check with XXXX. XXXX and illegible signature that does not correspond with my signature on file with Chase ( and which is also not only incompatible with my current active checkbook as the legitimate owner of the Chase bank accounts, but also, in addition, it was charged against my savings account ), with XXXX XXXX as the common beneficiary of the fraud, but this time, for the amount of XXXX {$57000.00}, and collected on XX/XX/XXXX. 

Third : Fraudulent debit via XXXX for the amount of {$32000.00}, identifying himself as the beneficiary of the transfer of funds from the my account to : XXXXXXXX XXXX XXXX XXXX, for the apparent concept of purchase via the web under the following description : Description Entry : Sale Sec : Web IND ID : XXXX ID : XXXX, from the Savings Account that ends in XXXX. 

Fourth : Fraudulent debit via XXXX for the amount of {$110.00}, identifying himself as the beneficiary of the transfer of funds from the my account to : XXXX XXXX, corresponding to the following description : XXXX Entry : Payment Sec : Tel IND ID : XXXX ORIG ID : XXXX, from the Savings Account ending in XXXX. 

I not receiving a response from Chase via secure message to resolve the consequences of fraud and identity theft. 

Once the check was about to be paid, I called again to report the fraud and refuse payment of the check, and the Chase telephone operator, presumably referring to the person who impersonated me, told me that the check had been authorized by phone for payment.

Company response to consumer: Closed with explanation