Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized transactions on my Chase Bank debit card and Chase Banks refusal to refund these amounts. The total amount in question is {$4400.00}, involving several transactions that occurred between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, in states where I was not physically present. 

On XX/XX/XXXX, I was alerted by Chase Bank to a series of suspicious transactions. Upon reviewing the transactions, I immediately informed Chase that these were unauthorized. I was in XXXX during the time these transactions took place, but the charges occurred in North Carolina, South Carolina, California, and New Hampshire. I informed Chase of my whereabouts and provided proof that I do not own or use an XXXX XXXX XXXX which Chase representatives claimed was used to process these charges. 

I am a XXXX XXXX smartphone user and do not use XXXX XXXX, including XXXX XXXX. Despite reporting this to Chase and providing relevant information, my claims were denied. Chase issued temporary credits but later reversed them, charging back {$1700.00} on XX/XX/XXXX and {$2700.00} on XX/XX/XXXX, along with letters stating that the transactions were authorized. I requested a detailed explanation of their investigation, but Chase has not provided any evidence or justification to support their claim that these transactions were authorized. They have only sent the same letters indicating that the transactions were authorized. 

Additionally, Chase representatives asked me to provide proof that I do not have an XXXX XXXX XXXX, so I contacted the XXXXXXXX XXXX department. Unfortunately, I was informed by XXXX that no such evidence could be generated since there is no XXXX XXXX XXXX associated with my name, email, or social security number. 

Despite multiple attempts to resolve this issue with Chase, including numerous phone calls to their Claims Department, I continue to receive letters stating that the transactions were authorized, without any explanation or supporting documentation. 

Below are the details of the unauthorized transactions made with my debit card, which I did not recognize or authorize : XX/XX/year> : Total {$2700.00} ( Multiple transactions at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/year> : Total {$700.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : Total {$1000.00} ( XXXX transactions at XXXX XXXX locations in New Hampshire ) I do not typically shop at XXXX, XXXX XXXX XXXX XXXX  and I have never shopped at XXXX. These transactions are highly unusual and suspicious. I believe that Chase should have identified these irregular activities and acted sooner to protect my checking account and debit card. 

I respectfully request your assistance in resolving this matter and holding Chase accountable for failing to safeguard my account and for refusing to refund the unauthorized transactions. I look forward to your prompt investigation into this matter. 

I demand that Chase take immediate action to refund the full amount of {$4400.00} to my bank account without further delay. 

Thank you for your time and attention. 
Sincerely,