Consumer complaint received 2022-09-21
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:
On XX/XX/2022 around XXXX I started to get alerts stating that I added someone ( unknown to me ) to my XXXX account. The next few emails were that Chase recognized fraud and that my account will be closed, and a debit card will be re-issued. Once, I logged into my account I noticed that a check ( unauthorized ) more than {$7000.00} was deposited into my account. Along with that transaction this person was allowed to place three unauthorized payment reversal claims ( {$730.00} ), two being my electric company and the other being to a car dealership. I called filed a complaint with Chase talked to several people including management. I told them that I wasn't aware of any of the charges nor depositing the check, I told them that I've never had this done and that I will need to know what steps to take. Chase opened back my account and was able to get another debit card. Police from both cities were filed and I submitted those to Chase. 
I talked to customer service from the fraud department to the claims department to their XXXX XXXX XXXX XXXX. That's where the lady told me the steps, I should take to get back with those police departments and to file now a civil suit. After days and weeks talking to Chase customer service, I felt that I was being talked/treated like a criminal. On XX/XX/2022 I talked to a rep and was told to fax over a claim to be submitted for my three creditors to get back the money that Chase reversed ( unauthorized ). On XX/XX/2022 I talked to several reps including a manger that it will take 45 days for those creditors to get back the money. I was very upset, very upset after being told that I have to wait 45 days ( my lights are off ) which I explained to them that the money they reversed is why my lights are off!! 
On XX/XX/2022 my electric which had been disconnected twice for several days up to a week was finally back on. Now, on XX/XX/2022 I have the same three fraudulent reversals back on my checking account making it negative again {$730.00}. At this point I feel that I'm being profiled or discriminated against. Yes, I used profanity in conversation out of frustration and annoyance but NEVER at any rep I disrespected. I would like for Chase to release all communication between them and myself. I would also like for Chase to release the communication from XX/XX/2022 including calls, online verifications and the ATMs that were fraudulently used in my behalf. I've been in complete hardship since this has happened to me. I feel that as long as I been a client with Chase and had deposited/cashed several checks in the past it should have been known that I didn't have anything to do with fraudulent activity. Chase released those funds to whomever and I'm paying for it. I've had to quit school and make arrangements for my child to live with my parents to go to school. And I owe my electric company more than I had before resulting in over {$1000.00} keeping me behind.

Company response to consumer: Closed with monetary relief