Consumer complaint received 2019-11-22
Company: JPMORGAN CHASE & CO.
State: TN
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 at roughly XXXX, I accidentally left my phone and wallet in an XXXX. When I realized my mistake, I could not contact the XXXX driver because my phone was still in his car. A few hours later I began receiving emails concerning suspicious activity on all of my credit card and debit accounts that I was able to view with my home computer. I froze whatever I could through my laptop, but could not call in to report the calls until Monday morning by using a coworkers phone at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, TN XXXX ). All of my credit card disputes were approved relatively quickly, but the fraud division of Chase handling my checking account/debit card dispute denied my claim. They denied it on the basis that I stated I had not written the pin number on the card, but the thief was able to withdraw money without entering an incorrect pin number. 
This was a brand new card, I opened the account with them and set up direct deposit because of a promotion that earned me {$300.00} for doing so. I had only used the account on XX/XX/XXXX to pay rent, pay a portion of my Chase credit card, and withdraw {$20.00} with a {$2.00} withdrawal fee. I do not recall setting up a pin with this card because I only used it once, but if I had set up a pin, it would have been XXXX. This number is present in my email address ( admittedly a poor decision on my part ) and the thief had access to my phone which had my email logged into it. This is my best guess at how they could access my checking account via my debit card. They withdrew roughly {$1000.00} while I had roughly {$1400.00} total in the account intended to cover an upcoming rent charge ( about {$1300.00} ) and when the rent charge went through on XX/XX/XXXX, it over-drafted my account. The rent money was returned by my apartment with the exception of a {$35.00} insufficient fund return fee, but my account was only returned to positive {$550.00} ( {$200.00} difference between my rent charge and the money they withdrew plus {$300.00} from the account opening incentive bonus ). I arrived at work on Monday, XX/XX/XXXX at XXXX Central Time while I was still receiving emails from chase that my account had been overdrafted just an hour before at XXXX Central Time and other credit cards of mine that were stolen in the same wallet were showing activity out of state ( Indiana , Wisconsin ) while I was badged in to the gated property I work at ( XXXX , XXXX XXXX XXXX XXXX , Tn XXXX ). 

Chase Claim Numbers : XXXX XXXX To summarize : The Chase Fraud Department associated with personal checking accounts denied my fraud claims associated with my now closed chase checking acount ( ending in XXXX ) resulting in me losing roughly {$1000.00}. 

Note : In the email i included entitled " Phone Claim, '' it addresses me as XXXX. This is because I am on my family 's phone plan, and the XXXX account and insurance is in my father XXXX 's name. I am including this to prove that my phone was stolen and that I used insurance to replace it.

Company response to consumer: Closed with explanation