Consumer complaint received 2024-09-20
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. (IL)

I received a phone call on XX/XX/year> at XXXX from a Chase number that claimed to be from the fraud department. The man said someone was trying to make a purchase for almost {$500.00} online for XXXX in XXXX Georgia and asked if it was me. I said no since I live in Illinois, and he said great he will close my debit card and issue me a new one that will be at my house within so many business days. He then asked for my pin to cancel my old pin. Not thinking and worried that someone has my debit card number I stupidly gave it to him. Well then he asked if I was receiving the texts from Chase that they sent prior asking if this transaction was valid. I said no, so he texted me a code from the regular Chase texts that I would receive if something goofy was happening. I gave him the code and then we got off the phone call. About ten minutes later I got a bad feeling and thought they didn't need my pin number to issue a new pin number. So I called the Chase number for Chase ATM. I was talking to a woman who had an accent and we both couldn't understand each other. She kept talking about my pin. Finally I said I was just calling to confirm that someone from Chase actually called me and she said she needed to speak to her manager. Two minutes later she said yes it was Chase who called me originally and that she was going to issue me a new debit card and that she would close my current one.

The next day at about 2 PM I got home from work and found out that my account was drained. I was left with {$6.00}. So my husband called Chase Fraud department and we spoke to a woman who filed XXXXwo claims. One claim was for two ATM transactions that occured for {$500.00} and {$200.00}. She said the camera shows an XXXXXXXX XXXX male. The other claim was for a show store purchase of {$150.00}, a {$10.00} car wash and then a transaction that occured inside of a Chase branch for {$700.00}. The person went to a teller and got money without an ID! This all happened in XXXX XXXX, Illinois. I live in XXXX, IL which is over an hour away. 
Well Chase said they won't give me my money back because the person used a chip and that can't be duplicated so it is an authorized transaction. My husband XXXX XXXX XXXX and does XXXX XXXX XXXX XXXX  He knows that a chip can be copied and put on a magnetic strip for it to work.

I have provided screen shots to Chase of the scammer calling me and spoofing a Chase number. Same with the text. I even let Chase know that I called to confirm it was them and the lady told me it was Chase who originally called me. I showed screenshots of how I was at work during these transactions. If they would look at their cameras, they would see that I am a caucasian female and it was a man who went inside of a branch and at the ATMs. I am beyond angry that an FDIC insured bank would not give me money that I did not spend nor authorize! Almost {$1500.00} was taken! This is absolutely absurd! They stand behind a chip ... That scammers have figured out how to get around. I am furious that a bank teller would give money without a valid ID as well. Where are the consequences???