Consumer complaint received 2019-12-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Im writing this because I made three claims to chase against unauthorized atm transactions for {$1200.00} {$500.00} and a teller transaction of {$4000.00} all on the same day in the same time span. Dealing with a claims person who wasnt listening or couldnt hear my words fully they filled my notes with lies and my claim was processed for the wrong amount. 


The first person who handled my claim wrote a bunch of lies on my file, i said I left all my deposit and withdrawal receipts in my wallet so maybe thats how they knew I had money. They wrote that I supposedly said I had the lost card in my possession but that doesnt even make sense if Im reporting and reported the card lost on the same call and received a whole new card a few days after making the claims. 

They made me wait a few days to Report the XXXX $ claiming they had to Let it process so they can see whats gone wrong, because it was a teller transaction. Which makes no sense if Im on the phone with the bank telling them that isnt me why would they let it process shouldve denied it from when I made the complaint. These three transactions were unauthorized and I made it clear of that when calling but somehow chase keep telling me that theyre valid transactions which makes no sense. I am the owner of the card, I disputed the transactions the same moment I found out about them when I was ordering a new card and reporting my debit card lost because my wallet was stolen. I asked about recent transactions and I said the last thing I did with my card was withdraw XXXX $ from XXXX XXXX which is the money I used for drinks. I had a long night that night woke up very late and hungover. Had to report many cards missing and order new files not just my chase card. I have a new card from my other banks as well. Chase is the only bank giving me a hard time over my money. I faxed them the police report, I even was on the phone with a officer and a chase representative at same time explaining the Incident, still didnt receive my money back. 

Three days after my claim they credited me about {$2000.00} or something like that, instead of {$5700.00} that was unauthorized. So I called back to clear up the situation and get it right. The person on the phone made a claim for {$400.00} instead of {$4000.00}. 

So now theyre are trying to reverse the credit of {$2000.00} and saying I owe them that amount. Even though I never received my {$4000.00} back. My account had {$13000.00} in it when this happened. Luckily I called because they wouldve just let them keep taking my money. They still havent paid me back which is unfair, I was only a customer for a month and a half just learning their policies. I didnt fax the police report as soon as they asked because I work and had to take off to do so. Eventually sent the police report which has a date on it and its the same day as the unauthorized transactions. The withdrawal slip that popped up on my app shows how they signed the withdrawal slip and its clearly no my signature or handwriting. 

They are trying to say I compromised my pin but my wallet was stolen. If it wasnt stolen I would still have my wallet money and they wouldve never found out my info or got to my money. Everyone uses there wallet to hold important information and money so I dont understand how they even come up with that as compromising my account. Its no way thats considered processed correctly if that wasnt the owner of the card using it. My birthday is coming up Idk if they expect me to just lose money like that and not be frustrated but need my money back ASAP.

Company response to consumer: Closed with explanation