Consumer complaint received 2023-10-28
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, Re : Fraud Claim XXXX This is my personal statement of the events and items that have transpired regarding my Chase checking account and credit cards associated. 
On Friday, XX/XX/XXXX, I was finishing up a conference and dinner with colleagues in XXXX XXXX, LA. We were headed home around XXXX that evening after dinner and some drinks. While heading back to the hotel XXXX XXXX XXXX  XXXX, we separated. While walking, off the main strip ( XXXX XXXX ) I was pick-pocketed. 
They were able to lift the following items without notice : Wallet with Drivers license Various Credit cards Debit Card Phone Charges that were made were the following through chase : XXXX XXXX XXXX NON-CHASE ATM WITHDRAW XXXX XXXX XXXX ClaimId : XXXX ( XXXX XXXX ) ATM transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Purchase XXXX Cash Back XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Purchase XXXX Cash Back XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Purchase XXXX Cash Back XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Purchase XXXX Cash Back XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Purchase XXXX Cash Back XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX NON-CHASE ATM WITHDRAW XXXX XXXX XXXX ( XXXX XXXX ) ATM transaction - XXXX XXXX Unfortunately, currently, XXXX is allotting 21 - 28 days excluding weekends and holidays to process temporary reports. At that time, I will be able to provide the full report. However, please have the temporary report number to reference should you need a reference : XXXX. XXXX can be referenced at XXXX. 
How they obtained my pin, was that the four-digit code to unlock my phone was also the pin for the debit card and cash withdrawals. I have since remedy that by utilizing a more secure password on my phone as well as the facial recognition feature now. 
They made several thousands of dollars worth of purchase at various locations outside of XXXX XXXX at XXXX gas stations and XXXX. When this was flagged by your system, due to them having my phone, they were able to respond to the fraudulent charges and authorize them as valid. Should they have provided proof, unsure if they did or not or just responded to the emails/texts for fraud alerts, they also had access to my ID for verification as well. 

I can attest that these charges were not made by myself or anyone that I have authorized. These are fraudulent charges. 
Please feel free to contact me for any further information.

Company response to consumer: Closed with explanation