Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NV)

On the XXXX of XX/XX/2024 at around XXXX XXXX, I logged into my Chase bank account so that I could pay some bills. To my surprise, my balance showed a negative amount of XXXX when my account balance should have shown a balance of XXXX. It showed wire transfers going in and out of my account. I have two accounts. One is with XXXX XXXX and the other is with Chase. These wires showed : 1- On the XXXX of XX/XX/2024 a wire in the amount of XXXX was out to XXXX XXXX. XXXX On the XXXX of XX/XX/2024 a wire in the amount of XXXX was out to XXXX XXXX. XXXX On the XXXX of XX/XX/2024 XXXX wires came in from my XXXX XXXX account one for XXXX and the other for XXXX into my Chase account. XXXX On the XXXX of XX/XX/2024 a wire in the amount of XXXX was out to XXXX XXXX. It was around midnight that I noticed these unauthorized wires. After looking into both of my accounts to understand what went on. I immediately called XXXX XXXX at XXXX am on the XXXX of XX/XX/2024 to report these unauthorized wire transfers and get an explanation of why there were XXXX wires made out to my Chase account without my authorization. At the same time, there were insufficient funds to cover it. On top of that charging me overdrafts. The lady was very understanding. Asked me a couple of questions. Gave me a Claim Number and assured me that they would resolve the issue. I to call back in the morning to check with them. Everything was back to normal. At XXXX am on the XXXX, of XX/XX/2024. Just after contacting XXXX XXXX, I called Chase to report the issue and have it resolved. Right away I got drawn into an argument with the claims department. I was told that they couldnt solve anything at the moment. When I asked for a Claims Number. They told me that I would have to call back in the morning during business hours to get the claim number. However, she said that she had logged in my report of the incident. At XXXX XXXX  on XXXX, XX/XX/2024. I called Chase again I was drawn into an argument. When I stated these were unauthorized wire transfers. She said I was supposed to have been notified of the transaction and she didnt know why they didnt call me. We argued, and then she said that they didnt need to call. I stated that a month earlier when I tried to make an online purchase of XXXX. They did not authorize it and called me on it. I purchased the with another credit card. A few months earlier they also called me on a XXXX charge to make sure that it was me. Yet XXXX and XXXX which put my account into a negative. Didnt this raise any red flags? The most I ever wired out of my bank account was in the amount of XXXX which was repeated monthly as my rent. She said they would do some investigation as a courtesy because as of that moment, my claim was already denied. Upon hearing that I almost had a XXXX XXXX. When I asked why. They said that I made those wires from my IP address and that the money went out for Items that had purchased. After further discussions. I was told to call back in a few days. I called back on the XXXX of XXXX, 2024. After XXXX minutes of back and forth from one person to another having to go through the identification process every time. I was told to call back in a week because they had written XXXX XXXX  and were waiting for their response. My last contact with them was on the XXXX of XX/XX/2024. I was told that they were sorry that they could not retrieve my money and that the best thing for me to do was to call law enforcement. Side note ; The other XXXX wires that were done between XXXX XXXX and Chase were sent out to XXXX XXXX, yet somehow the money was recovered on the XXXX of XX/XX/2024. Chase Got the money back and XXXX XXXX got it from Chase. Im out of XXXX, plus hours from work trying to resolve this. Using my credit cards to pay for my rent and bills + interest. Not to mention the pain and suffering this is causing me. Please help