Consumer complaint received 2020-06-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom this concern My name is XXXX XXXX, Ive been CHASE customer for a few years now, and opened a college account for my daughter XXXX in the XXXX TX branch, my daughter lost her debit card, on XXXX we started getting overdrafts on her account for deposited or cashed checks on her name, which were fraudulent and supouse to be posted on XXXX, but there's no activity on the bank account none of this transactions were registered, so we couldn't find out what was going on, until XX/XX/XXXX the first 2 overdrafts appeared, they were DEPOSITED RETURN CHECKS? that came out of no where, we reported this to chase and called immediatelly, they closed her account and frozen the account, I filed the claim for the first 2 checks, but more overdrafts appeared on the account continuously in XXXX and XXXX, we have been calling over and over and faxed the claims but nobody has contacted us from the fraud department, when I finally got tired of waiting I called again after seing 10 checks and a total of {$4300.00} aproximately overdraft in the account, they told me XXXX XXXX was in charge of my case, her number is XXXX, I called her and got her voicemail on XX/XX/XXXX, she returned my call saying the claims were rejected because the pin was used and I had to pay that money so she transferred the {$4300.00} from my personal account to offset this negative amount and on top of that she froze my own checking account affecting my business, my personal life etc the last two days she posted two moe overdrafts of the same amount without a check number! it just says " misc deposit '' how come the bank feels entitle to charge me for money is not justified? this is totally ridiculous This account has my hard earned money of over 60k I sold my house and now everything I have its frozen, without notice other than a cold and unprofessional voicemessage from this lady, she is on vacations and will return until Tuesday XXXX, she left in charge XXXX phone number XXXX, I called him and I just got his voicemail, at the branch could not do anything either, I checked the statement and I dont see when this 10 transactions were registered in the system as they never occurred, all I see is the returned checks charged into my account, none of your customer service agents, claim department agents or fraud department agents can answer what happened in fact they seem very surprised and told me something is very wrong on your end, now I have many questions : 1- How come CHASE is giving money without registering the transactions in the system? 
2- How come the fraud department didnt catch all this 10 checks? 
3- Who gave the money to who? 
4- How can somebody cash a check when the account has no sufficient funds? 
5- Is the fraud department supouse to monitor for unusual activity? 
6- why do I have to pay if we are victims of chase security being breached? 

As a customer I feel very angry and disappointed that I trusted this financial institution to take care of my money, instead I am paying for somebody who is not their job of investigating what really happened, and on top of that CHASE bank is affecting my business and my personal life, I am getting married next week, and my family is coming to visit and to celebrate the wedding, I am not going to pay for some dishonest teller they might have as employee or hacker or their system being breached. I am writing in hopes somebody investigates this matter and resolve it in the right manner and unfreeze my funds. I am enclosing the statement showing those transactions were never placed in my daughters account, the last time she used the card was on XX/XX/XXXX when she went to XXXX and used to take an XXXX, then somebody used it to check the balance on the account and to cash or deposit a check on XX/XX/XXXX, then two little deposits on ATM machines of XXXX and {$5.00} probably to see if the account was still open, after that I just got charges for bounced checks, my daughter only used this account to eat at fast foods pay her cell phone or take XXXX to school. I would appreciate to resolve this manner, and answer all of my questions. She even lost a {$600.00} deposit from his tuition to pay for school since the account was in negative. I need this money back and my account to be unfreeze asap, and I will never use a bank again in my life, its the most unsecure thing to do. I also need legal assistance on this matter, and to get this to the upper management of the JPMorgan management. Contact me by email at XXXX Please somebody help us Thank you Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation