Consumer complaint received 2022-07-15
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim # XXXX XXXX XXXX XXXX XXXX XXXX The attached documents may not reflect the total disputed funds Im seeking to be returned to my account. I waited for the letters to come in mail. I dont believe all of them have been sent by CHASE. All they had on my online account I attached. The claim # XXXX should be enough to get the total amount not returned, this has gotten super confusing for me as far as witch transactions were returned or considered fraud or not fraud? That is one thing I still dont understand a small of the transactions were seen as fraudulent and returned to my account, during the time period in question, the majority of them were considered authorized and not returned? Theyre reasons for denial are, that I did not report 4 transactions as fraudulent during my initial claim? Not sure like I said super confusing. Spent hours on hold and disputing. Never a clear answer to as why my claims were being denied. 

I took a trip out of town camping, I did not bring my wallet or card. Some one stole my wallet, drained my account by making unauthorized purchases all over town 40-50 different merchants. The fraudulent charges started on XX/XX/XXXX and continued till I returned from my trip and canceled my card after finding approximately {$6900.00} had been stolen : charged I was not notified via text or email during this time period. This type of thing a month prior to the {$6900.00} being taking. At the time of this prior attempted fraud I was notified immediately via text, the charge was for tickets to a monster truck show for {$380.00}. I denied the charge via text and they shut my card down and funds where never even touched by the merchant. I did not receive one notification during a 2 week fraudulent spending spree. I still dont understand how my entire bank account was drained- {$200.00} and not flagged. XXXX I returned from my trip, I filed fraud claims with CHASE. CHASE issued a temporary credit of {$2000.00}. After theyre investigation CHASE DENIED my claim and took the temporary credit back unfortunately I had spent all of ot on my monthly bills. Ive now been XXXX in my checking account for almost XXXX weeks!!! After exhausting every XXXX XXXX with XXXX. XXXX XXXX loan XXXX paid, car insurance unpaid, rent late fees stacking up, Creditors calling. I have a family of 5. CHASE has denied my claim 3 times now. After hours and day of waiting on hold I was told by a supervisor at CHASE, that if provided documentation I was out of town CHASE would reverse the fraudulent charges. It took me some digging, I found and provided proof I was not even in the state of Colorado during the fraudulent spending spree, per a supervisor request at CHASE fraud prevention customer service. After submitting the document my claim was denied again. I am a father of 5 children sole provider of our household. I dont earn a lot of money. Im currently on XXXX for a work injury. I am on a fixed budget. The $ $ I had saved was rainy day fund and for monthly bills we are in a monsoon now!!! Im literally drowning in bills negative in my account no way to pay for even food for my family. As of XX/XX/XXXX Chase took the temporary credit back I have been- {$2000.00} in my checking account ever since its been over a month. Ive had to wait for these letters to come in the mail so I could send them to this agency. Im hoping it can be resolved. The amounts disclosed above are not exact or precise. I am attaching all of the precise documentation and data to this query. Please let me know if theres anything else I can provide you with I will be happy to do so. I have exhausted all available avenues with CHASE .Thank you and God bless. 

Your agency is my last resort please help me if you can.

Company response to consumer: Closed with explanation