Consumer complaint received 2023-11-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is NOT THE SAME CASE OR DISPUTE Dear Chase Bank Customer Relations, I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the outcome of your recent review of the unauthorized XXXX transactions associated with my account, as detailed in your letter dated [ Date ] ( attached for reference ). 

Upon careful examination of your response, I must assert my disagreement with your findings and bring attention to critical aspects of this case that, in my opinion, warrant further investigation and reconsideration. 

XXXX. Lack of XXXX Agreements Upon Account Creation : It has come to my attention that, despite your assertions, I was not provided with the XXXX Service Agreement and Privacy Notice upon the creation of my Chase bank account. This omission is a clear violation of regulatory standards and hinders my ability to make informed decisions about utilizing the XXXX service. 

Regulatory Violations : Regulation E ( Electronic Fund Transfer Act ) : The failure to provide clear and accessible information about the XXXX service at the account creation stage is a breach of Regulation E, which requires financial institutions to provide consumers with proper disclosures. 
XXXX. Unjust Denial of Claims and Identity Theft : Your denial of the claims associated with my account is deeply troubling, especially considering the circumstances surrounding the unauthorized XXXX transactions. I would like to emphasize the following points : Lack of Visual or Biological Evidence : Chase Bank lacks visual or biological evidence linking me to the alleged unauthorized transactions. My phone was stolen, and despite providing a police report, I have not been afforded the appropriate consideration. 
Identity Theft Reporting and Regulation E : The denial of my claims without due diligence in investigating potential identity theft is a violation of both customer trust and Regulation E, which mandates financial institutions to promptly investigate and resolve unauthorized transactions. 
XXXX. Request for Evidence and Transparency : I respectfully request that Chase Bank provides me with the evidence used to deny my claims. The lack of transparency in this matter raises concerns about the integrity of the decision-making process, and I believe it is my right as an account holder to be fully informed about the basis for such denials. 

XXXX. Escalation and Regulatory Reporting : In light of the aforementioned issues, I am compelled to escalate this matter further. I intend to forward all relevant documentation, including the police report, to the Office of Comptroller of Currency ( OCC ) for their thorough review. It is my belief that the OCC will find merit in investigating the apparent violations of regulatory standards. 

Conclusion : I trust that Chase Bank will conduct a comprehensive reevaluation of the unauthorized XXXX transactions and address the regulatory concerns raised in this letter. I anticipate a timely resolution to this matter and the rightful return of the funds lost due to identity theft. 

I appreciate your attention to this serious issue and look forward to a prompt and satisfactory resolution. Please acknowledge the receipt of this letter within [ reasonable timeframe ] and provide a detailed plan of action for its resolution. 

Thank you for your understanding and cooperation. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation