Consumer complaint received 2024-07-11
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. (MO)

On XX/XX/XXXX - My personal XXXX  and associated XXXX  credit accounts were permanently closed due to suspicious activity ( That is all the information that was given to me ) - Since that day, I have had XXXX access to anything related to XXXX or XXXX credit. 

From XX/XX/XXXX - XX/XX/XXXX my XXXX XXXX account was somehow reopened and changed, a series of small charges which then lead to large charges on that account. I was traveling abroad during that time in XXXX, and did not see the charges via email until I returned home. On XX/XX/XXXX - Upon returning home, I then realized that ( 3 ) three separate withdrawals where being scheduled from my personal Chase Savings account to my XXXX XXXX account to cover the unsolicited charges. ( Again, I had no access to either XXXX or XXXX credit at this time ) The withdrawals were the following : # XXXX on XX/XX/XXXX for XXXX # XXXX on XX/XX/XXXX for XXXX # XXXX on XX/XX/XXXX for XXXX Upon seeing these withdrawals through my email, I immediately reported each instance to XXXX, XXXX XXXX and CHASE Bank. Since the withdrawals were already in process I was instructed to dispute the 3 withdrawals immediately with CHASE Bank. 

Of the 3 ( three claims for fraud ) both of the withdrawals for XXXX were deemed illegitimate, however the 3rd withdrawal for XXXX was deemed legitimate. 

Dispute # 1 for XXXX posted on XX/XX/XXXX ( # XXXX ) was closed and credited Dispute # 2 for XXXX posted on XX/XX/XXXX ( # XXXX ) was closed and credited Dispute # 3 for XXXX posted on XX/XX/XXXX ( # XXXX ) was closed NOT CREDITED Because of this, I reopened a new dispute based all of the information above. There is absolutely XXXX way I personally could have withdrawn that amount of money. At the time CHASE bank was helpful an sympathetic to my situation. A new dispute was created : Dispute # 4 for XXXX posted on XX/XX/XXXX ( # XXXX ) I was immediately credited the full XXXX amount back into my CHASE Checking account. 

However, as recent as XX/XX/XXXX I was notified that the additional investigation once a gain proved that it was a legitimate transaction, which as before - there is absolutely no way could have been. The XXXX was then withdrawn from my account on XX/XX/XXXX and has severely crippled my personal finances and has made it impossible fro me to pay current bills. I have used chase for well over 10 years with no issues, I have a checking, savings, mortgage, and XXXX open credit cards through them. I am an extremely loyal customer with excellent financial history. This situation extremely disappointing. 

I have since starting yesterday XX/XX/XXXX been on the phone for HOURS with CHASE Bank, XXXX XXXX XXXX XXXXXXXX XXXX  ) and XXXX - While over each business has tried to help, both XXXX and XXXX credit have basically said this is a Bank Issues. 

Currently, I have provided CHASE with ample documentation of the fraudulent charges, email proof of me being locked out of XXXX since XXXX, XXXX XXXX and even the email from XXXX XXXX on XX/XX/XXXX that my account " was changed '' - CHASE is currently re-reviewing the case but I NOT Confident in there process or me getting my money returned. The CHASE review can take up to 6 business days, which again substantially hurts / limits my personal financial situation. 

I am writing this for help and support in this situation. Being a victim of a crime, and not feeling supported by the institution that I basically trust all of my personal finance matters too is extremely frustrating and worrisome.