Consumer complaint received 2023-08-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I paid for the sonesta simply suites with my debit card which was the last time I physically seen my debit card. My Chase debit card. I checked out of the hotel on the XXXX of XXXX and I didn't recognize that my debit cards were missing because most of my transactions I do online without using a card physically. When I checked out the sonesta I had to go stay with family because the hotels were booked and they were too much on the XXXX. I checked my Chase statements and I seen that there was a ATM withdrawal. A. Non-chase ATM withdraw at that of {$160.00} and there were a charge for a motel XXXX for {$91.00} another unknown charge for {$38.00} XXXX immediately called Chase Bank. On the first day of me contacting them, I couldn't get a hold to anybody for a whole XXXX hours because their systems were down so that was a hold up. So I did return the call the next following business day XXXXThey did my claim. They reversed my transactions and now I have to dispute them because they reversed my claim because they said there wasn't enough evidence saying for the purchases but I never have made a transaction, especially a big transaction at a non-chase ATM machine since I've had my account opened. My card was missing and I didn't realize it until I looked at my statements and the transaction was done. I truly honestly don't know who could have took my card. I could have dropped it. Anything could have happened to it. I'm homeless so there's a million and one weird people around me on a daily basis. I'm also pregnant and my Chase banking account is my only access to any financial anything that I have. So I really am hurting more than anything because Chase is not looking at the obvious facts here, the transaction was done in XXXX XXXX CA I'm homeless I live in hotels and shelters. I come across many people. I've lost so much stuff before. This is not the first time that this has happened to me. I've never had an issue with getting help with getting money return back or a problem getting resolved for me. I've never had a transaction in XXXX XXXX before and I don't understand why they're giving me such a hard time. My bank statement to show that I've never had a non-chase ATM withdrawal before at all and especially not in that amount. I can't afford to pay any kind of fee I can not use my Chase banking card right now because it's negative because they reversed my transactions so I now can't pay for a hotel I've been pregnant and sitting in this heat. Trying to see what I can do to resolve this issue with Chase .can sit in outside in the heat and staying at parks because my card is negative. I don't understand. I don't understand how hard it is to just check my bank statements. I've never had a non Chase Bank ATM draw and then it doesn't even say if a pin was used or anything. Fruad 's happening so much around us today people are taking people 's banking and debit information and using it without even punching in the correct pin. And the only thing that Chase could tell me was that the pin was entered. They don't know what pen was in it cuz it doesn't say first of all and it was a non-chase ATM but they said that a pin was entered and that's not enough evidence because the pin was in it. But that's not fair to me because I reported my stuff to him and now my car is a negative. I'm pregnant and I have nowhere to go. I just need help. It's hard for me to go back and forth and argue with them. I don't understand

Company response to consumer: Closed with explanation