Consumer complaint received 2019-01-09
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:
My debit card credit cards wallet and phone were stolen from me i reported this immediately to chase bank and recieved a temporary credit for tge unauthorized transactions and a new debit card. This happened to me right before and during XXXX it was a complete nightmare. Recently i received multiple letters from chase stating they were finished with the investigation into the theft and have found that i am in deed responsible for all these unauthorized transactions now i am currently over 1989 dollars over in overdraft because the temporary credits have been reversed and are going to continue to be reversed so i will be over two thousand dollars in overdraft after XX/XX/XXXX the next day they plan to reverse more temporary credits in tge amount of XXXX and XXXX one to  XXXX XXXX and the second to XXXX XXXX. This whole ordeal has put me in dire straits i am in a desperate situation i was not able to pay my rent on tge first when my paycheck was direct deposited into my chase account because the entire XXXX dollar paycheck was taken to pay for tge first couple of reversals. Now my account is XXXX overdrafted because XXXX was reversed and XXXX was reversed on ny account so when i recieve my second direct deposit paycheck on XX/XX/XXXX it will complete taken to cover tge over draft however i will still have a significant amount left in overdraft on ny account because my direct deposit wont cover this huge enormous reversal overdraft. These actions will cause me to be flat broke tge entire month of XXXX and i will most likely get evicted from ny home as i do not foresee my landlord waiting an entire month for XXXX XXXX rent. Then if i pa XXXX rent XX/XX/XXXX i will be late paying XXXX rent this is definitely a nightmare. I am so stressed out completely XXXX outright almost XXXX  over all of this. I also have other bills as well like my car electric phone and cable i honestly feel victimized twice once by tge original person that stole my wallet and phone and secondly by chase. I feel victimized and XXXX financially because the XXXX took my wallet and cards and identifying information without my permission and now a second time by my own bank whom i should be able to trust to protect my interests and money. I feel so violated because of chase now i wont have a single dime to pay my rent or offer bills in fact it will take more than one pay cycle to get out of this huge debt if overdraft i am now in and this is so sad. I dont deserve any of this its so unfair to do this to me or any other victim of theft. I am so sad i feel powerless because what can i do to stop chase from taking my money that belongs to me? I never authorized any of those purchases nor should i be held accountable for them its not ok. The average person like me deserves protection from horrible things like this please help me fight chase and get my money back from them i can prove i never once made any if these transactions nor am i responsible either please help me.make chase return my money and do a better investigation please. I filed a police report and there is currently an open police investigation into this matter i pray tge person responsible is found and held accountable. I am disgusted with chase and contemplating acquiring legal counsel to pursue getting my money back its nit fair that i pay for some scumbags shopping spree.

Company response to consumer: Closed with monetary relief