Consumer complaint received 2022-03-31
Company: JPMORGAN CHASE & CO.
State: IL
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:
I had just shut down after a long day of XXXX and I stopped at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I ordered some food at a XXXX and I went back to rest XXXX XXXX XXXX. A couple of hours later, I got an alert on my phone saying I bought something at XXXX XXXX in a completely different town, as well as a XXXX XXXX ( which is insulting because I am a XXXX  and I would never ever buy XXXX ) and other vendors. I frantically checked my Chase bank account and as it turns out, I had a bunch of mysterious charges on my bank. I must have lost my card and someone decided to steal it and buy a bunch of stuff. I was furious and also afraid, so I called my bank and I had to deactivate my card and order a new one. Because of this, that meant that I no longer had a way of purchasing things XXXX  XXXX XXXX and I was far from home. But at least fortunately my bank acknowledged the fraudulent charges and gave me back all the money that was stolen as a result of those purchases. XXXX XXXX XXXX it can be very devastating to not only lose my card, but to have my card outright deactivated. I will have very limited means of purchasing anything XXXX XXXX XXXX XXXX and I won't be able to survive long without that XXXX XXXX XXXXXXXX XXXX. 

Fast forward to today, XX/XX/XXXX. I was mysteriously charged for XXXX. As a result, this caused me to be overdrawn. I looked at what was going on and as it turns out, I was being charged for what was stolen from me back in XXXX. I tried to call out of panic, and both attempts failed since when the robot lady connected me to a representative, I got a long silence and nobody actually talked. The result was the same the second time I tried to call Chase. 

I visited my nearest bank XXXX XXXX XXXX XXXX and I spoke to a representative who was more than happy to help me. He said it was peculiar how I was being charged what was stolen from me originally, and he had to call the fraud department. Eventually, he handed the phone to me and the lady on the other end gave me lots of word salad which ultimately translated into her saying that she couldn't do anything for me. She said that the investigation team for Chase found it suspicious that I had made purchases earlier in the day in close proximity to the fraudulent charges and undid my fraud refund. So in order for fraud to be a real story, I would have to plan for fraud to happen to me so I would have to avoid purchasing anything in that time and location before I get my card stolen. And the thief eventually went out of the town and proceeded to make more purchases anyway, in a town completely XXXX XXXX XXXX XXXX XXXX 

Here 's what's even more shocking and extremely unprofessional from the Fraud lady : I asked her this question : " What you're trying to tell me is that I am going to just have to accept the punishment of losing my money to the XXXX and essentially I will have to pay for the thief anyway? '' She replied : " Yes. '' The NERVE XXXX XXXX of this lady to just straight up tell me that I had to accept this punishment. Even after most especially I mentioned that I was a XXXX  and that I would never ever put a single XXXX into XXXX XXXX. So basically, I lost {$280.00} and Chase will side with both thieves and big corporations. They do not care about me, but they will gladly help thieves and big corporations steal from me. 

I am an honest individual and I make my money honestly. I would never under any circumstance deactivate my card in an attempt to get a quick buck, most especially when I am half way across the country nowhere near my home with no means of any other purchasing power. Losing my card willingly would be the end of me and a most foolish move and I would never ever do that. 

The purchases that the thief made ( and which I have subsequently disputed ) are as follows : XXXX XXXX # XXXX XXXX XXXX XXXXXX/XX/11 CLAIMID : XXXX ATM transaction - {$180.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/11 CLAIMID : XXXX ATM transaction - {$53.00} XXXX XXXX XXXX XXXX XXXX XX/XX/11 CLAIMID : XXXX ATM transaction - {$35.00} XXXX XXXX XXXX XXXX XX/XX/11 CLAIMID : XXXX ATM transaction - {$8.00}

Company response to consumer: Closed with monetary relief