Consumer complaint received 2017-09-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern, My full name is XXXX XXXX. Being a law-abiding citizen of the United States I`m facing this kind of injustice from the financial institution which instead of protecting me blaming in their mistakes. This nightmare was began on XX/XX/XXXX at one of restaurants in XXXX with their weird waiters. I guess they have stolen my card. During that time I was in alcohol influence and don`t remember that I took my card back. After my trip, I was verifying my wallet for making sure everything is fine and could not find my Chase card. In that day on XX/XX/XXXX, I  called the bank and reported about missing card. Customer service representative responded that there are many transactions and asked me which one I do authorize. I told that the last time I used my card was on XX/XX/XXXX and the  bill was {$15.00} after that transaction I don`t authorize any transaction. 
After that call, they sent me an affidavit ( 1.pdf ) that I signed and sent them with fax. Same day I received email that they crediting {$77.00} ( 2.pdf ). OnXX/XX/XXXX, they emailed me that they applying credit {$460.00} to my account ( 3.pdf ).  On XX/XX/XXXX, they emailed me that they applying credit {$4600.00} to my account ( 4.pdf ). 
They divided my case to three cases. For withdrawal case number : XXXX, for credit transactions case number : XXXX. In addition, there is other case number XXXX for {$80.00} amount. 
I did receive email on XX/XX/XXXX that they are crediting {$80.00} to my account ( 6.pdf ). In a same day on XX/XX/XXXX, I did receive an email that they are reversing credit {$4600.00} ( 5.pdf ) by stating that all transaction that I reported were correct. On XX/XX/XXXX, I did receive two emails saying that they are reversing credit for {$530.00} ( 8.pdf ) and for {$80.00} ( 7.pdf ).
After that I called them for answers they advise me to get a justice outside the bank. After I did, my research and find out that they have to provide all proofs from their investigation. I did called them and requested that proofs. They send me two mails on XX/XX/XXXX and XX/XX/XXXX stating that thieves used a pin ( 9.pdf and 10.pdf ).
On a 9.pdf, you can see their explanation that activity was authorized. I did not authorize that, for second they are stating that no bad pin and there is a chip transaction. Of course, there is a chip transaction when somebody stole your chip card and using it that has to be. I don`t understand their logic.
On 10.pdf, you can see their explanation about no bad pin that I do not understand what they mean.
All arguments provided by them is incorrect and are not proving that I authorized fraudulent transactions.
When I received a credit from the bank, I used my money at my discretion. Yesterday I did receive a mail saying that they may charge it off ( 11.pdf ). During this period they are charging fees for negative account balance caused by them.
During my researches, I did find that Chase bank is braking Federal law with its Acts. I read that The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) are protecting me from fraudulent ATM Card uses. In addition, according that Law and Acts my liability is {$50.00} because I reported within two business days after I learn about the loss or theft. Please see link below. 
XXXX : //XXXX Thank you Victim of Identity theft XXXX XXXX

Company response to consumer: Closed with explanation