Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: TX
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 have been victimized by fraud. On XX/XX/XXXX, {$1300.00} was taken out of my Chase checking account fraudulently. I contacted Chase immediately after receiving the text messages below : I was alerted via text that my Chase checking account had been compromised by scammers. On XX/XX/XXXX, at XXXXXXXX XXXX CST the text was from XXXX and it read : Chase Bank : A DECLINE ON DEBIT CARD FOR {$240.00} AT XXXX TEXAS IF VALID REPLY 1 FOR YES 2 FOR NO STOP CHARGES. Second text at XXXXXXXX XXXX CST ALERT : CARD LOCKED, SUPPORT WILL CALL YOU SOON. At XXXX XXXX  CST CHASE : Fraud Department - PASSWORD SUSPENSION REPLY With Old Password For Cancellation. Thank you. 

Then I sent them my Old Password via Text at XXXXXXXX XXXX and they came back at XXXXXXXX XXXX. CHASE PASSWORD CANCELLED. At XXXXXXXX XXXX. Text from Chase ERROR CODE CHASE Fraud Department - PASSWORD SUSPENSION REPLY With Old Password For Cancellation. Thank you. 

Then I sent them my Old Password via Text at XXXXXXXX XXXX. and they came back at XXXXXXXX XXXX. CHASE PASSWORD CANCELLED. 

Four ( 4 ) attempts to get me to sign in on a new device with 4 separate codes and the last line stating : We'll never call to ask for it. 

The following text messages were not sent to Chase because they put the {$1300.00} back into my account while they investigated to see if the withdrawal was fraudulent. 

On XX/XX/XXXX, at XXXXXXXX XXXXXXXX CST text received stating : Chase Self Service Here! To Schedule a Meeting Click this link ; Chase.com/meeting. Message and Data Rate may apply. On the same day, thank you for calling Chase your OTP is XXXX. 

On XX/XX/XXXX at XXXXXXXX XXXX CST text from XXXX Chase Bank Security : Did you use your card for {$1000.00} at XXXX XXXX FL on XX/XX/XXXX? Reply YES or NO. Msgs & rages may apply. Then at XXXXXXXX XXXX  CST another text received Chase Bank Security : Did you use your card for {$440.00} at XXXX on XX/XX/XXXX? Reply YES or NO. Msgs & rates maXXXX apply. 

On XX/XX/XXXX at XXXXXXXX XXXX CST text received stating : XXXX XXXX : This code is for you and only you. Code : XXXX. To prevent fraud, never share it anywhere or with anyone, including people posing as XXXX XXXX. 

On XX/XX/XXXX at XXXXXXXX XXXX  XXXX text received stating : App Protection Warning : Critical! ( 3 ) apps have breached your application security. Uninstall them swiftly to ensure devise safety. XXXX On XX/XX/XXXX at XXXX XXXX CST text received stating : FREE MSG Chase Fraud : Did you make transaction for {$980.00} on your debit ending in XXXX at XXXX? Reply YES or NO. 

On XX/XX/XXXX at XXXXXXXX XXXX CST text received stating : Chase : Did You Use Debit Card Or ATM Card For : Declined Transaction " XX/XX/XXXX '' XXXX XXXX XXXX, MI XXXX {$2400.00} Reply 1 for YES, REPLY 2 for NO. 

On XX/XX/XXXX aXXXX XXXX XXXX CST text received stating : From Chase : Did you attempt a XXXX transfer to XXXX for the amount of {$2000.00}? Reply YES/NO/HELP. Don't want fraud tests reply REMOVE. 

Chase reversed their decision on XX/XX/XXXX, and took out the {$1300.00} from my account stating that there were not enough " triggers '' to support this fraud. After several communications with Chase, I was told repeatedly that there were not enough " triggers '' for this fraudulent amount to be paid back by Chase. I did everything possible to block this from happening. I have enclosed all of these " triggers '' that Chase did not ask for. 

Our money was transferred to an account at XXXX XXXX XXXX XXXX. After calling them and making sure that I had never had or opened an account with XXXX XXXX XXXX XXXX. Hence, I have several more " triggers '' that XXXX XXXX XXXX XXXX had an account with some unknown person 's name on it with my information. 

Chase, being such a big entity has not been willing to even attempt in asking for these " triggers ''. I am a veteran and my wife, and I are both retired, and we can not afford to lose this substantial amount of money.

Company response to consumer: Closed with monetary relief