Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

I had unauthorized charges on my account. I was issued a provisional credit and then the charges were reversed. That created a negative balance and consumed two direct deposits. The charges that I disputed are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total {$620.00} This account isn't used that much. I have a direct deposit go into the account. I usually either do ATM withdrawls or transfer funds to my XXXX XXXX checking account. I ocasionally use my debit card when I don't have time or unable to transfer funds or like when I'm travelling. The time that these unauthorized charges debited my account was while I was travelling. Some how my card information was compromised. 
I logged into my account to initiate a transfer and realized, at that time, of the charges on my account. I immediately contacted the bank and locked my card. I was issued another card and it has been locked ever since I activated it. 
I requested that the claim be re-opened but I was given a hard time and many runarounds about that happening. Then I was told that they wouldn't re-open the claim because I said I lost the card. Never did I say that, especially when you can see some purchases I made while I was travelling. 
Since I couldn't get any help from Chase, I began to contact each merchant that debited my account for the unauthorized charges. I had XXXX, but my account was closed. I was told by XXXX to contact the bank and initiate a claim through them. I contacted XXXX XXXX because the charges weren't under my account, I was told to contact the bank and initiate a claim through them. I contacted XXXX XXXX, since I was unable to verify the username or account that made the charges, they told me to contact my bank and initiate a claim. I contacted XXXX unfortunately, I could not find a number to reach them and had to chat, my attempts were unsuccessful. 
All the merchants that I contacted told me to have the bank request the refund or initiate a chargeback. Chase was unwilling to cooperate. I pleaded with them just to initiate a refund or chargeback from the merchants. Therefore, if they refunded my money, FINE! If not, I would explore additional options. Chase would not help me. I went to the branch and all they did was put me on the phone with the claims department. The teller initiated a corporate complaint and when they contacted me, they reiterated what the claims had already told me and said there was nothing else that can be done. 
I contacted Chase again and filed another complaint. I spoke with XXXX. The complaint number is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I know that I did not make or authorize these charges. I have been put in a great financial hardship because of this ordeal. I have proactively done everything I can to try to rectify this situation. I stopped my direct deposit because I don't trust Chase with my money. I left the account open until I get resolution from the complaints I am filing but am getting charged a {$12.00} fee for account maintenance and keep getting messages threatening account closure.