Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
State: NY
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:
I write seeking your help because JP Morgan Chase, my bank of 42 years, will not reimburse me for funds unlawfully drawn from my Chase checking account by XXXX XXXX XXXX 
* * * Background : In XX/XX/XXXX, I mailed a rent check to my landlord in the amount of {$2000.00}, as I had always done for the previous 39 years. The check, according to the landlord, never arrived. I immediately notified Chase Bank, on XX/XX/XXXX, because funds in that exact amount ( {$2000.00} ) were missing from my account. 
Chase said it would investigate. Chase then sent me documents that I needed to sign and notarize, and which also required a notarized signature from my landlord, affirming that neither I nor my landlord were responsible for the cashing of the lost check. I returned the dually-signed and notarized document to Chase, as requested. 
Months passed, so I contacted Chase 's fraud department for a progress report. Chase informed me that an unknown individual was seen on an ATM camera depositing my check at a XXXX XXXX Bank ATM, and that that person took the money. 
Chase said that XXXX XXXX was responsible for my lost funds, not Chase, and that Chase would contact XXXX XXXX and seek to obtain reimbursement of my lost money. 
I continued to reach out to Chase throughout XXXX. The Chase fraud staff had sent a letter to XXXX XXXX on XX/XX/XXXX ; and again on XX/XX/XXXX, and again on XX/XX/XXXX. Chase informed me that XXXX XXXX had not responded to any of these communications. 
On XX/XX/XXXX, Chase sent me a notice. It reads, in relevant part, regarding my claim XXXX XXXX XXXX XXXX XXXX : " We will continue to follow up on your behalf. However, if at 90 days after the date that your claim was submitted we have not heard anything from the depositing bank, we will close your claim and your funds will not be recovered. '' I immediately called Chase and asked how it was possible that one of XXXX 's major banks can not get another major American bank to even acknowledge this theft. I also asked when the XXXX deadline clock began. The Chase staffer said the date would be XX/XX/XXXX. So, I said, in other words, you will let XXXX XXXX take my money if you don't hear from them by or before XX/XX/XXXX? Chase responded, " Yes. '' * * * My landlord still has not received his rent payment that was lost. I am retired and receiving Social Security XXXX. I fear my landlord will attempt to evict me for non-payment, despite my best effort to pay what I owe him. 
* * * I can not imagine that XXXX XXXX Bank would ignore another major bank on an issue like this if Chase, too, was not also ignoring such requests from other banks as well, including XXXX XXXX. In other words, I believe that this practice may be endemic, and the safety of depositors ' funds be damned. 

I plead for your assistance to get to the bottom of this matter. I am available to answer any questions that you may have, at any time. 

Thank you for your consideration.

Company response to consumer: Closed with explanation