Consumer complaint received 2022-10-11
Company: JPMORGAN CHASE & CO.
State: FL
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:
1 : XX/XX/2022 Received a call from XXXX XXXX ( XXXX  ) asking For The Lease payment. 
Advised landlord that payment was sent On XX/XX/2022, with check # XXXX for {$2600.00} Verify with Chase online account that check # XXXX was cashed, however the amount cashed was for {$14000.00}. where upon revieing the image check it was noted that the check had been altered with a different payee and amount, at is was very obvious upon observation of the check. 
2 : XX/XX/2022 contacted Chase fraud Division and was instructed to provide documentation of recurrent payments to XXXX XXXX both in my Chase bank account and my XXXX XXXX and submit a form called Declaration of Unauthorized Endorsement or Altered Item that they would mail to me, I ask for a faster resolution and was instructed to appear at a local branch office to obtain the form. I also provide as part of the submission copies of checks XXXX, a copy of the Chase registry shoeing the check XXXX as intended to be before it was altered. 
3 : XX/XX/2022 I went to the branch office on XXXX XXXX XXXX XXXX XXXX  XXXX and met with a bank official name she contacted the fraud department and was given the form ( m1407-03 ) Sections 1 2 and 3 were filled out section 4 states that if I suspect a specific person to file a police report ( I did not suspected a specific person ) so I did not file a police report. Section 5 was not filed out because it asks for additional information which I did not have. The form was faxed to the number provided on the form XXXX. I was instructed to verify in two days if the form had been received. 

4 : XX/XX/2022 at XXXX am I received a text message asking if I wrote the following checks XXXX which I promptly declined and was replied with we will not pay this check 5 : XX/XX/2022 upon arrival at my office I verify the Chase bank account and found that the list of checks were withdrawn on Friday XX/XX/2022 there by reducing my available balance by {$50000.00}. 
6 : XX/XX/2022 contacted the fraud department and advise them of the discrepancies, was advised that they would look into it. 
7 : XX/XX/2022 returned to the branch office on XXXX XXXX XXXX XXXX and spoke with at which time I showed the XXXX images of the XXXX checks which were very different from the checks used by my firm we also verify with the fraud department if they had started their processing the form sent on XX/XX/2022 at which time they stated that they had not received the form. The bank official again sent the form via fax and was told to check in a few days. 
XXXX : XX/XX/2022 Received a letter dated XX/XX/2022 stating that my claim was closed but will reopen if, requiring a completion of form sent XX/XX/2022 ( that was claimed as not received ) the incomplete question they refer to were question 4 ( asking if I new who the person was, and question 5 asking for if additional information ) it was later determine that they wanted only the signatures on question 4 and 5??? we provide a sign documents as per request 9 : XX/XX/2022 was contacted by XXXX XXXX my account rep requestion the signatures again on the form ( XXXX ) which was verify received earlier. 

10 : XX/XX/2022 I received an email from XXXX XXXX asking for the form ( XXXX ) for the following checks XXXX, the same checks that I provide as proof of payments to XXXX XXXX as per their request to establish continuity of payment to the same vendor?????????????? 
11 : XX/XX/2022, i sent the replied stating that I have not requested a claim on the checks XXXX and ask XXXX to provide me with copies of said claim for those items to which I have not received a response. 
12 : XX/XX/2022 received a letter dated XX/XX/2022 again stating the claim is closed pending completion of form ( XXXX ) XXXX : XX/XX/2022 returned and asked XXXX XXXX my account Rep to file a register complaint with customer care and the executive division. XXXX stated that she would make some calls I had ask for a copy of the complaint 14 : XX/XX/2022 XXXX stated via email that the fraud department told her to disregard the XX/XX/2022 letter and that they do have everything they need it 15 : XX/XX/2022 received an email from XXXX XXXX account XXXX stating that they do not have a number for The Executive Division and that the complaint was filed and I would be receiving a phone call within a week. 

16 : XX/XX/2022 Received a letter dated XX/XX/2022 stating that the claim is closed pending a Police Report. Sent a copy to XXXX XXXX Account XXXX. Received a call from XXXX XXXX XXXX and it was determined that the police report was required because the claim was in excess of {$20000.00}??? which is the {$14.00}, XXXX plus the XXXX checks that I submitted as proof of continuity and not part of any claim. Upon her further review they stated that I should disregard the letter dated XX/XX/2022 and would email confirmation of such ..still pending as of XX/XX/2022 2022

Company response to consumer: Closed with explanation