Consumer complaint received 2021-07-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I found out there were unknown recipients saved in my Chase account, three separated unauthorized wire transfers were made online. Listed below XX/XX/XXXX {$3000.00} made to XXXX XXXX XX/XX/XXXX {$2000.00} made to XXXX XXXX XX/XX/XXXX {$3000.00} made to XXXX XXXX Reported to Chase Fraud department, and made the claims for disputations on XX/XX/XXXX and XXXX, after average 4 hours phone call and transfer in different departments. Soon found out there were more unauthorized transactions made thru my checking account via online transfer, and checks during the pandemic. I made the separated dispute claims with Chase, filed FTC reports, signed and submitted every documentation Chase needed to process the claims. None of the recipients accounts and names were known to me, I gave Chase full authorization to investigate the issues, including background checks etc. Then Chase denied most of my claims without any investigation, because of the time frame by mail. I was told Chase decline the wire transfer claim over the phone on XX/XX/XXXX. Only Issued a temporary credit for two online transfers which made to the same unrecognized account but different date for {$7000.00}. Chase took back the temporary credit on XX/XX/XXXX, because they believe the transaction was made correctly. After another several hours calls again, i finally put down my request for reinvestigation, and Chase only agreed to do reinvestigation on the {$7000.00} transactions. At the moment I wrote to you, I haven't heard anything back from Chase, and left with {$100.00} on my new checking account. Potentially I will have to pay monthly account fee due to below the account limits. 

I signed up Chase with paperless communication, every transaction made thru my account, I should receive text or email alerts, especially for wire transfer and online large amounts transfer,. However, I didn't receive any notifications though email or texts when the transactions happened. To deal with serious security breach, instead of protecting customers ' benefits, Chase closed my compromised checking account, and reopened a new one to solve the problem. and one of the representative from Chase fraud department threaten me that with these many claims, Chase would terminate the business with me. Those conversations should be recorded at their end. I was careless with my personal life, coz i was one of those essential workers at the front line, and most importantly i thought i could trust Chase with my money. Now I am not only facing the physical exhaustions, but mentally with a severe financial crisis. I want what belongs to me back to my account, and I wont take any threats from a financial institution. Below is the list of other unauthorized transactions made from my checking account with amounts, and some recipients names. 
XX/XX/XXXX {$5000.00} made to XXXX XXXX XXXX, for shipping?? 
XX/XX/XXXX {$5000.00} made to XXXX XXXX XXXX for medical expense?? -this name was associated with a criminal in New York XXXX 
XX/XX/XXXX {$2500.00} made to XXXX XXXX for XXXX XXXX XXXX?? Unknows XX/XX/XXXX {$1500.00} made to XXXX XXXX XXXX for shipping machine installation?? 
XX/XX/XXXX {$3000.00} made to account end with XXXX XX/XX/XXXX {$3000.00} made to account end with - XXXX XX/XX/XXXX {$2000.00} made to account end with - XXXX XX/XX/XXXX {$5000.00} made to account end with XXXX transactions made to XXXX are the only claim Chase agreed XXXX investigate but made false conclusion on XX/XX/XXXX In sum, I have lost a total {$35000.00} from my Chase Checking account. Besides denying all my claims via the excuses of time frame, and threaten to terminate my business, Chase reopened a new checking account and left me with nothing only. Please help me. Please.

Company response to consumer: Closed with explanation