Consumer complaint received 2018-01-30
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed that we had many ATM withdraws that were not ours, we are in Louisiana and the withdraws were in XXXX XXXX so i ran to the bank and we went through the many withdraws. They totaled about XXXX from XX/XX/XXXX to early XX/XX/XXXX when i ran to the bank. They went on for weeks before i noticed, I work a lot as the only one working in my family of XXXX and I am the owner of a business, which keeps me very busy. 

This is my business account and i'm pretty much a one man operation most of the time so i don't check this as often as i probably should but the banks job is to protect my money, it says so in just about every ad they show. I am in the business of trying to make money to put into my accounts so they can protect it. 
Now that i saw some obvious ATM fraud ( And for the record, no one has denied that all of this was obviously fraud ) I went through the past couple months and found a few weird charges that were also not us, 2 from an XXXX in Texas and a store in Texas. since we buy things often from other places and use the card for restaurants i hadn't noticed it, but since the ATM withdraws i had been really scrutinizing each item on my statement well, i realized that they were fraud as well, totaling about 300.00. i really looked at everything and noticed them because they had a TX at the end of the item line, so i thought maybe these were from Texas and the bank worker said they were. 
So the bank, Chase bank, in the next few days replaced it all, and since it was all obviously fraud i was happy. But then on Friday XX/XX/XXXX a couple weeks later i saw that all the ATM withdraws were reversed and the bank removed all the funds from the fraud that they returned 2 weeks prior. They removed all the money, so it was like being robbed twice. As you can imagine i ran back to the bank and they told me that there is a 35 day rule that since i added the fraud charges from the XXXX   Texas items from XX/XX/XXXX in my claim and since i didn't report those frauds within 35 days of them happening, none of the fraud would be returned or covered. 
They never told me that they were going to remove the funds again and as much as that hurt, they just removed the roughly {$5700.00} and didn't let me know that it was gone until i found out that we hardly had anything left in the account. My heart sank! 
There's nothing worse than thinking that you have money in your business account and not knowing its gone until you find out the hard way. 

I also never got an alert ever from the bank for any of these. And these were daily ATM withdraws for weeks in another state ( CA ) while i was using the card daily in Louisiana. That meant that they had another card and pin that matched in some way. If that doesn't trigger an alert what would? Were were supposed to be on some sort of higher alert since we had attempted fraud charges earlier in the year and yet i never got one notice, text or call like i had some yeas ago when i was out of state. they called to make sure it was me.This time i never heard a word from them.Why use a bank if they cant protect your hard earned money? 

So because I found some more obscure fraud a few months back after these seeing these obvious ATM ones ( and there were no fraud charges between the Texas ones in XXXX and the ATM withdraws in XXXX ) i am not covered in any way. I lose it all? I thought i was helping by looking into the past months, now i regret it. I'm out about 5700.00 which is critical for us, all due to fraud and my bank has gives no alerts or notifications to let me know that they are being compromised with a fake bank card in another state while i use the card daily here in my state, and i have no recourse? Why would i use a bank to protect my money if its so easily taken and no one seems to care. It maddening. I am better off keeping it out of the bank. At least then i know i am watching it.

Company response to consumer: Closed with monetary relief