Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
State: TN
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:
Regarding Chase Claim # : XXXX My name is XXXX XXXX, and I am an XXXX  in good standing in the State of Texas ( XXXX  # XXXX ). 

I am writing because Chase fraudulently withdrew {$1700.00} from my Checking Account on XX/XX/2023, and I would like my money back immediately so I can pay my rent on time. 

FACTS XX/XX/2023 : I was fraudulently charged {$1700.00} on XX/XX/2023, for an XXXX XXXX XXXX XXXX TN purchase. 
XX/XX/2023 : I immediately made a claim with Chase stating that I did not authorize/make this purchase. 
XX/XX/2023 : Chase responded that they would NOT credit my account stating We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
XX/XX/2023 : I immediately called Chase stating that I would like to appeal this decision as I have NEVER RENTED FROM XXXX in my life. I have absolutely no knowledge of this charge, and I have no contractual relationship with XXXX. Chase told me to dispute this with XXXX. 
XX/XX/2023 to XX/XX/2023 : I have been disputing the charge with XXXX, and they told me that I should contact Chase to get this resolved. 
XX/XX/2023 : After reviewing my bank account in its entirety following the DENIAL OF MY CLAIM, I noticed that XXXX XXXX XXXX XXXX TN also fraudulently charged me {$290.00} on XX/XX/2023. As such, on XX/XX/2023, I made a claim with Chase. 
For some reason, unlike the other claim I made against XXXX for {$1700.00}, Chase immediately provided me with the funds for the {$290.00} I was disputing from the SAME COMPANY. 

ISSUES ( 1 ) Even though Chase recognized a cognizable dispute with the XXXX XXXX XXXX XXXX TN and immediately credited me {$290.00} on XX/XX/2023, Chase STILL refuses to correct its denial of my XX/XX/2023, Claim against the same vendor ( XXXX XXXX XXXX XXXX TN ) for {$1700.00}. 

( 2 ) All of the charges made by XXXX XXXX XXXX XXXX TN are fraud ( the {$1700.00} and the {$290.00} ). 

( 3 ) I have never had a relationship with XXXX XXXX XXXX XXXX TN. I have never rented a vehicle from them. I have never entered any sort of contractual relationship with XXXX. Although XXXX wasnt supposed to, they accidently leaked the name of the person who allegedly made these charges and used my card, and I have no relationship to this person whatsoever! 

( 4 ) Thus, the issue is that Chase wont refund my card, and my account has had a negative balance since this fraudulent withdrawal was made. I have tried to appeal Chases denial of my claim against XXXX for {$1700.00} over the phone but Chase told me there was nothing they could do. 

CONCLUSION Someone fraudulently charged my debit card for a rental with XXXX, and under state and federal law, I am entitled for my account to be debited the amount that was fraudulently withdrawn IMMEDIATELY - {$1700.00}. 

The XXXX record shows that I am not the person who entered into a contractual relationship with XXXX. The name doesnt match. 

Furthermore, Chase even acknowledged as much when it credited me {$290.00} on XX/XX/2023, for a second fraudulent claim I made against XXXX XXXX XXXX XXXX TN. I made this claim AFTER Chase denied my first claim against XXXX XXXX XXXX XXXX TN. 

It is XX/XX/2023. My rent is due today. Because of this negative balance, I will not be able to pay my rent on time and I therefore risk eviction. I ask that you help me communicate with Chase so that I am refunded my money.

Company response to consumer: Closed with explanation