Consumer complaint received 2023-07-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Upon receiving and reconciling my bank statement for Chase, I found that there had been an unauthorized deduction from by account in the amount of {$1000.00}. The description stated " XX/XX/2023 XXXX payment to XXXX XXXX XXXX XXXX debit - {$1000.00} '' I do not have a XXXX account, I have never used or authorized a XXXX account and I have no idea who XXXX XXXX is. I notified Chase bank of the fraud on XX/XX/XXXX. On XX/XX/XXXX they notified me that they were giving me temporary credit and returned the funds to my account. On XX/XX/XXXX they provided the following : Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
As a result, we are removing {$1000.00} from your account on or after XX/XX/2023. If the account the claim is related to is no longer open with Chase, and you don't have an open account with Chase for us to debit, we may request you to repay the credit ( s ). 
Contact us if you would like to request the information we used for our research I contacted them immediately, on XX/XX/XXXX and again reiterated that the transaction was unauthorized, as I do not have a XXXX account, I have never authorized a XXXX account, I have never used XXXX on this account or any other account. After an extend discussion an my persistence, I was referred to the " XXXX XXXX  ''. They opened up a case, assigned a case # and told me someone would be in touch and I did not need to take any other action or calls. On the following Monday, XX/XX/XXXX I received a call from the assigned representative. She indicated that it would be reviewed and I would be notified. I did not hear back from anyone and on Friday, XX/XX/XXXX Chase deducted the {$1000.00} from my account. I called the XXXX XXXX  and had to leave a message. I did not hear hear back. so on Monday, XX/XX/XXXX I called again and had to leave another message. I did not hear back so I called again today XX/XX/XXXX and left another message. Then I hung up and called back, this time I did not dial the extension number but waited to talk to someone. That individual got me in touch with the assigned rep who told me that the claim had been reviewed and denied and there was nothing else Chase could do. I expressed my frustration with them and asked what I need to do next. That said I would have to take it up with someone outside of Chase. I asked who. To which she responded she didn't know. I asked her what government entity regulated them. To which she responded she didn't know. I asked for someone that did know. To which she again she replied no one there knew or could help me. 

This transaction is obviously fraud. How can a bank that is entrusted with my money just allow {$1000.00} to be taken out of my account. Not provide me any proof or evidence of it validity? 

Many times during my conversations I asked what government regulatory branch I could contact or complain to. I was never given this information. I found it by googling and researching it on my own. Is the bank not required to provide this information? 

I need to get my funds back and I would like the Chase Bank to be held accountable. They should not be allowed to treat people this way.

Company response to consumer: Closed with explanation