Consumer complaint received 2019-03-21
Company: JPMORGAN CHASE & CO.
State: OH
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:
Complaint Department Chase Bank Dear Sir or Madam, I am writing to dispute fraudulent debt. I want Chase to stop attempting to collect {$3800.00} of unauthorized charges that occurred in my Chase bank account. I do NOT want Chase to send the alleged debt to a collection agency or a debt buyer or to file a lawsuit against me as the debt was created by fraudulent and unauthorized account activity. I want Chase to inform credit reporting agencies, including but not limited to XXXX, to remove any negative information from my credit report resulting from this incident for which I was not involved. I want Chase to place in writing to me that they are not pursuing {$3800.00} from me nor do I owe {$3800.00} due to fraudulent activity. 

I have attached copies which I received and included all unauthorized transactions and fraudulent use of my Chase bank account. 

The following charges were charged to my bank account XXXX : XX/XX/XXXX total : {$1000.00}. 00/ checking account XXXX XXXX : XX/XX/XXXX-XX/XX/XXXX total : {$1100.00}. 31/ savings account XXXX : XX/XX/XXXX thru XX/XX/XXXX total : {$3800.00}. 00/savings account Chase never red flagged my account or notified me of possible fraudulent transactions. I never used my savings account for electronic payments. I reported all the fraudulent charges to Chase bank after several calls to make sure they had all proper unauthorized charges, which concluded on XX/XX/XXXX. All the charges were made using my bank account numbers/electronic drafts there were not made with an actual credit card/debit card. I immediately contacted them again to close the bank account. 

They reversed the charges temporarily back to my Chase bank account while Chase bank researched charges. I received credit for the XXXX XXXX, XXXX and XXXX charges. Then I finally received a letter saying they are reversing the charges again on XX/XX/XXXX for only the XXXX charges totaling {$3800.00}. 00. The other two charges ( XXXX XXXX and XXXX ) were permanently credited to my account after Chase bank researched and concluded the XXXX charges were not valid. I notified Chase customer service immediately to place Chase on notice that I disagree with the results of their investigation. Chase corrected the XXXX XXXX and XXXX unauthorized charges but failed to address the XXXX charges when all charges occurred within relatively the same time period. All of the unauthorized charges were equally fraudulent. If Chase bank could research and refund the other charges because they are incorrect, they should have been able to do the same for the XXXX. In addition, Chase had all the information for the XXXX transactions, including Web IDs where these fraudulent charges were made and XXXX transaction numbers. 

Chase stopped further investigation and notified me to contact XXXX myself. I started a complaint with XXXX. I forwarded the web ID and transaction numbers to XXXX, and they were able to locate the responsible party and XXXX restricted their account. XXXX then referred me to law enforcement and back to Chase bank to recover lost funds. 

My frustration is with Chase. Chase could have easily obtained the information from XXXX customer service as I did. I have expectations that my financial institution will keep my money safe and secure. I believe Chase failed me. No one has access to my bank account numbers, and I never used the account for electronic or ACH transactions. I did not authorize or allow the use of my account. The fraudulent account activity was not my typical account behavior. On XX/XX/XXXX, Chase received several complaints from people logging into their online chase account and being able to view other Chase customers information ( see attached article ). There have been several accusations of Chase security breaches of online accounts. Please stop Chases deceptive, unfair and abusive acts and practices. This has been a time consuming and stressful process. 

Thank you, in advance, for your assistance.

Company response to consumer: Closed with explanation