Consumer complaint received 2020-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

Hello and hope all is well. 
I had transactions that I realized was fruad. I went to branch ( New York Community Bank/Garden State Community Bank ) in XXXX NJ and filed a complaint of fraud. I live in XXXX NJ and I was not certain of who done the fraud, but was certain it was in Virginia. An order for XXXX in Virgina, a XXXX payment and other small charges were done. I was told by the branch assisstant manager, I would recieve credit in 10 days. 10 days later, I called to see wheres the credit. I was then told the claim had been denied. I WAS FRUSTRATED! I then called the claims adjuster to see why? He said that that my name, phone number, and address match the XXXX and XXXX account. I WAS MORE FRUSTRATED. I STATED WITH ANGER, Sir, do you understand that nearly everything you sign up for, whether it XXXX, XXXX or XXXX or anything, you must give name, email, and address during sign up. I STATED MAYBE IT WAS COMPROMISED. Yet he said its denied. I then requested an appeal. He said cant. Already filles with anger and having no idea how to continue, i pushed to appeal. HE SAID OK send what documents you have to prove it wasnt you. So it did my research and found out who it alledgedly was. I DID A POLICE REPORT, I OBTAINED THE PERSONS LICENSE. It was my contractor who is working on my properties in Virginia. After reasearching all my bank statements, I realized THERE WAS MORE FRAUD CHARGES from XXXX, XXXX etc. I went to the branch to file those fraud claims as well.I signed the forms and the branch manager said I couldnt dispute the 2 wire transfers totaling {$9500.00} to the contractor since I did authorize and it is a wire. Additionally, she told me she will let me  know if i can dispute the XXXX transaction of {$4000.00} since it was an ach transaction thru XXXX. She was supposed to call me the next day. THE REMAINDER WAS SIGNED AND DISPUTED. I PROVIDED HER WILL ALL DOCUMENTS AND SHE SAID TO HOLD THEM. IF THEY NEED IT, THEN SUBMIT MY EVIDENCE. I said ok and left. Awaiting a responce to see if the other transaction can be disputed, I get no phone call. I then called myself. The branch manager said, all disputes are denied, and they are closing my account.Oh my did I get upset. # 1 Im a victim of fraud. # 2 They are closing my account while im appealing the qst fraud claim. # 3 They denied my claim in 2 days with no evidence. # 4 I provided evidence which included the persons License, address, confession statement, police report, his signiture of the recieving the XXXX purchase, The XXXX  reciept with his name and Viginia address, but my account of which has my name and address on file, and the fact that he has been XXXX and is in XXXX So her response, " sorry sir, claim denied and we are closing your account. How disrespectful. I came to the bank and had over {$200000.00}, and this is how they treat people. So I called and called every number in the book to fight this. To see who can I speak to. And no one can help. Nor nobody can tell me who is handling my claim. There is no communication and it came to the point that one representative in the 1800 number said that " we cant speak to you ''. Crazy. 
To summerize, I hired a contractor. He compromised my accounts. I filed claim and filed police report. He is in XXXX. Yet, my claims get denied and my account gets closed. Wow. How to treat someone who just lost over {$15000.00}. Months later the 2nd claim appears to have never even been submitted. To speak regarding your claim you have to wait for a letter im the mail with a specific phone number to contact the claim adjuster. No letter was send and no one can " speak to me ''. I have not got back a single cent and my account is closed so I have no idea what to do in exception to a lawyer. The guy who dod the fraud is broke and im at a huge loss. 
I went to the properties and nothing was done. Contractor in Virginia took my money, pretended as if he was working. Now he is in XXXX. 

XX/XX/XXXX wire {$4500.00} XX/XX/XXXX ach {$4000.00} XX/XX/XXXX wire {$5000.00} XX/XX/XXXX XXXX {$800.00} XX/XX/XXXX XXXX  {$510.00} XX/XX/XXXX XXXX  {$860.00} XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX XXXX  {$2000.00} XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX XXXX {$200.00} XXXX XXXX