Consumer complaint received 2017-06-08
Company: JPMORGAN CHASE & CO.
State: GA
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 recently fallen victim to fraud on my Chase checking account. Somebody was able to use my debit card number ( and PIN ) without me knowing to make a lot of online purchases from various companies. The main companies purchases were made from were XXXX, XXXX, and XXXX XXXX. The first unauthorized transaction on my account was posted on XX/XX/XXXX. By the time I noticed something was n't right, on XX/XX/XXXX,  the criminals had purchased merchandise for a total of about {$2300.00} with my debit card. When I noticed the fraudulent transactions on XX/XX/XXXX, I immediately called Chase customer services and reported the unauthorized transactions on my account. A claim was opened for my case and I cancelled my debit card to cut off the criminals that had been using it. Of course I was very upset when I noticed somebody had been stealing money from my checking account but friends and coworkers told me the bank would handle everything for me and that I should n't worry. Well, unfortunately Chase does not believe in protecting their customers but instead I 'm being victimized all over again : Chase is declining my dispute of the fraudulent claims with the reasoning that I had logged in to my account prior to XX/XX/XXXX and I should have reported the unauthorized charges then. I do n't know how other people do this, but I do not check the individual transactions every time I log into my account. So when I logged in on a previous day ( XX/XX/XXXX I believe ) all I did was check to make sure that my auto payment for my credit card had processed and the Chase credit card payment due amount was showing {$0.00}.
The Chase Claims department denied a big part of my claim ( I 'm not sure what is happening to the rest of the transactions not covered in the declined letter I received ) on Tuesday, XX/XX/XXXX stating that the charges will be booked from my account on XX/XX/XXXX. I immediately called to explained that I reported the fraudulent charges as soon as I noticed them, on XX/XX/XXXX. The escalation to the manager resulted in another decline of the claim the very next day. I am at a loss as to what I am supposed to do. The account agreement states that only transactions that I authorize will be charged to my account. However, Chase is declining to reimburse me for the unauthorized charges that occurred due to fraud. Below is a list of all the unauthorized transactions ( the ones marked with an " x '' are those that already have been declined by the Chase Claims Department ) : Date Description Type Amount  Chase NOT REVERSEDXX/XX/XXXX XXXX Debit Card Transaction - {$100.00} XX/XX/XXXX XXXX Debit Card Transaction {$100.00} XX/XX/XXXX XXXX Debit Card Transaction - {$52.00} XX/XX/XXXX XXXX XXXX Debit Card Transaction - {$110.00} XX/XX/XXXX XXXX Debit Card Transaction - {$46.00} XX/XX/XXXX XXXX XXXX Debit Card Transaction - {$110.00} x XX/XX/XXXX XXXX Debit Card Transaction - {$87.00} x XX/XX/XXXX XXXX XXXX XXXX Debit Card Transaction - {$67.00} XX/XX/XXXX XXXX Debit Card Transaction - {$110.00} XX/XX/XXXX XXXX Debit Card Transaction {$110.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Debit Card Transaction - {$73.00} XX/XX/XXXX XXXX XXXX XXXX Debit Card Transaction - {$72.00} XX/XX/XXXX XXXX Debit Card Transaction - {$47.00} XX/XX/XXXX XXXX XXXX Debit Card Transaction - {$66.00} XX/XX/XXXX XXXX Debit Card Transaction - {$78.00} XX/XX/XXXX XXXX Debit Card Transaction - {$73.00} XX/XX/XXXX XXXX XXXX Debit Card Transaction - {$110.00} XX/XX/XXXX XXXX Debit Card Transaction - {$47.00} x XX/XX/XXXX XXXX XXXX XXXX  Debit Card Transaction - {$74.00} XX/XX/XXXX XXXX XXXX Debit Card Transaction - {$110.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Debit Card Transaction - {$110.00} XX/XX/XXXX XXXX Debit Card Transaction - {$51.00} x XX/XX/XXXX XXXX XXXX XXXX Debit Card Transaction {$67.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Debit Card Transaction - {$150.00} XX/XX/XXXX XXXX Debit Card Transaction - {$160.00} x XX/XX/XXXX XXXX XXXX Debit Card Transaction - {$110.00} XX/XX/XXXX XXXX Debit Card Transaction - {$110.00} xXX/XX/XXXX XXXX Debit Card Transaction - {$48.00} x XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Debit Card Transaction - {$70.00}XX/XX/XXXX XXXX Debit Card Transaction - {$61.00} x XX/XX/XXXX XXXX Debit Card Transaction - {$54.00} xXX/XX/XXXX XXXX Debit Card Transaction {$88.00} XX/XX/XXXX XXXX  Debit Card Transaction - {$88.00} XX/XX/XXXX XXXX Debit Card Transaction {$160.00} XX/XX/XXXX XXXX Debit Card Transaction - {$160.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Debit Card Transaction - {$100.00} XX/XX/XXXX XXXX XXXX XXXX Debit Card Transaction - {$66.00} XX/XX/XXXX XXXX XXXX Debit Card Transaction - {$55.00} x XX/XX/XXXX XXXX XXXX XXXX Debit Card Transaction {$66.00} Total - {$2200.00}

Company response to consumer: Closed with explanation