Consumer complaint received 2021-08-25
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ive suffered a loss over {$6000.00} through an XXXX XXXX  transfer. There was {$4500.00} sent on XX/XX/21 first payment of {$2000.00} at XXXX PM and {$2500.00} XXXX PM with {$2000.00} being XXXX XXXX and {$500.00} from debit card linked to it to a XXXX area code number and {$1500.00} sent to a different number that was also in XXXX at XXXX, XX/XX/21. I know this by searching up the area code in which I know no one from there. I went to Downtown XXXX XXXX XX/XX/21 around XXXX noon. I got pretty sick from drinking and slept til the next morning getting home by XXXX. I had no notice of these transactions until I was awakened by a friend of mine asking why I sent her {$2000.00} dollars cause somehow it was money sent to her that she immediately sent back after realizing I wasn't answering my phone. I have XXXX phones and she didnt have my newer number and sent me a message through XXXX informing me about the money being sent to her that she sent back. I wasnt able to inform myself until I woke up around XXXX XX/XX/21 to check my account immediately to see XXXX dollars in my account that was XXXX XXXX hours ago. Second I called to make a claim with my bank, Chase and I looked for my old phone at the same time in panic and obviously upset. The claim was done by no later than XXXX adding wait time and building the case. 

As far as telling them what happened and trying to build the case I wasnt aware of needing evidence or much to get my money back seeing I didnt authorize the payments and my phone was lost or stolen. I didnt care to file a police report because I used XXXX XXXX XXXX XXXX to track it myself. I got to it just in time as they tried to leave me with nothing at all attempting to take out {$940.00} at XXXX and at XXXX XX/XX/21 but I had the account frozen by then. Person that took my phone was in on it with somebody as they even wrote in my XXXX in which I have evidence. The user name writing to my account to the person that stole it was XXXX which shows nonexistent now along with the numbers they were sent to and I have screenshots to show. 


Their was also an additional XXXX attempted to be pulled out my account XX/XX/21 coming out the same way and put me XXXX dollars plus cant remember the exact amount. I also had to make a claim for that. 

That one was fixed almost immediately but I was never informed the status of my original claim until I called XX/XX/21. She told me I should know by XX/XX/21 and I received no credit like they said they would it wasnt ruled in XXXX business days it was over that. 

I called again to get a second review and this time I was told it was denied with no resolution. I asked for one she said its nothing else I can do or tell you sir and was very stern and rude. 
Third review was guy who felt I should file another claim since their was not a resolution and gave it about XXXX business days which was yesterday XX/XX/21. 
Due to dropped calls being hung up on I was told once it was denied for inconsistencies, another person said lack of evidence, and also once again told no resolution at all. 

As you can see Ive had to call numerous times and I was told that comes off as suspicious but Im just trying to get my money back like any other person would do. 

To this day I have not received a resolution electronically or through mail and was not handled in a professional manner as Im being told it was denied by most and opened still by some. It was an urgent situation and still is and wasnt sure how much I had to prove Im innocent in this situation. 

Person that took my phone was in on it with somebody as they even wrote in my XXXX in which I have evidence. The user name writing to my account to the person that stole it was XXXX which shows nonexistent now along with the numbers they were sent to.

Company response to consumer: Closed with explanation