Consumer complaint received 2020-04-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern I XXXX XXXX XXXX was at a XXXX train station for public transportation heading to work as my coworker could not pick me up to go to work I had to take a public transportation so I bough a one time train/bus ticket for single day use. On XXXX XXXX.2020 I have used my card for amazon on XX/XX/2020 made a purchase on this day. This was the last time I had the card with me and last time i used this card for that purchase, I filed a police report and I told him I was not sure whether I drop my wallet on the walking ramp to go XXXX or if I dropp it inside the train I believe it was inside because I remember I took the one time ticket fair pass and used it to go in. It had to be inside the train. 
There was people near me following rules and keeping distance do to the Coronavirus situation there was like 6 of us sitting on one side of the train keeping distance I was running late I had my lunch bag and another bag with tools for work as I was arriving to my location I got up and walk it out. The wallet had to slide off my pockets and stood in the chair not sure what had happen. I called XXXX and they said that if they found anything they would contact me but that never happen I called back and they said nothing was return to them who would return a wallet if it was money! I had about XXXX cash and my chase card and a school ID that my student ID number which is XXXX my pin was XXXX some how they saw it and tried it first and used the card. 
I called the bank and gave them a police report and told them about the frauds and they help me out by disputing them all thru the phone.as it takes longer to speak to a banker from what is happening now due to the virus. 
The lady representative was very polite very nice and took take of me. I gave her as much information as possible and the police report number. 
Chase took care of me and Im very happy to know that they would protect my account as they did. 
My concern now is that I just received a letter as of XX/XX/2020 Telling me that as of their investigation they believe that no fraud was made or that I had authorized anyone to use my card. 
I didnt not allowed any one to have my information or debit card I lost it and it was stolen and used places and atms Im not responsible for this unauthorized transaction ive used most of the funds to pay a work labor At home. 

My funds and chase believe that no error was made. 
This is incorrect and I havent received any paper work from chase as the lady representative said she would mail me paper work if it was need it some one would contact me but they didnt and Im still waiting on any dispute documents I havent received any yet theres been a problem with the mail from the post office be sending my letter to different adress as my home adress is XXXX XXXX XXXX XXXX he gets confused and wants them to XXXX XXXX XXXX or XXXX XXXX XXXX. Same house number but different street it has happen many many times. 

I didn not authorized or made any of this transactions. 
My wallet was lost at the XXXX trains stop blue line XXXX and XXXX blue line train station.

Company response to consumer: Closed with explanation