Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Please note, I used these XXXX  to separate paragraphs because all of the text was slammed together. Thank you. XXXX The nature of my complaint is complicated and I will do my best to be brief in this description, however, I have a lot of supporting documentation to provide to you. I also filed a complaint with the FDIC. XXXX Complaint : CHASE BANK FAILED TO NOTIFY ME OF FRAUD THEY DETECTED IN MY ACCOUNTXXXX I spoke to a few attorneys and they all believed similarly that my complaint is valid and that even though Chase Bank and I share some responsibilities with respect to this complaint, they believe that Chase was negligent in how it responded to the fraud they detected on my accounts and that Chase did not protect my accounts, my family and me. The attorneys and I believe Chase did not alert me swiftly, nor did they protect me once they noticed extremely unusual and inconsistent banking behavior on my accounts. Specifically, over 30 disputes/chargebacks, for in excess of {$35000.00} were filed within a 4-5 day span and Chase did nothing more than send a passive notification letter that is buried deep within their digital platform, something that is not called out even upon immediately logging into the Chase App. In over 10 years with Chase bank, we have never filed a dispute or chargeback on any of our accounts. Chase did nothing to mitigate the damage when their letters indicate that as of XX/XX/XXXX, they knew that abnormal account activities were occurring. XXXX The following is a timeline of most of the events which began on or around XX/XX/XXXX, and includes but is not limited to information from an affidavit I provided to the XXXX which was required by Chase before they opened their own internal investigation, which of course, led to them finding that they were not liable in any way. : XXXX 1. XX/XX/XXXX : suspicious activity ensues through online logins on Chase.com or Chase appXXXX XXXX XXXX XXXX : approximately 30 false claims are made against past purchasesXXXX 3. Twelve ( 12 ) remote online deposits are made in the amount of {$190.00} ; all checks had the identical back sides with identical signatureXXXX  4. Eleven ( XXXX ) remote online deposits are made in the amount of {$170.00} ; all checks had the identical back sides with identical signatureXXXX 5XXXX XXXX XXXX XXXX Chase denied a claim made for a transaction for {$1000.00}. We were notified passively through an obscure area in the Chase appChases first acknowledgment of suspicious activityXXXX XXXX. XXXX XXXX : XXXX XXXX deposit is made in the amount of {$2000.00} by XXXX XXXX XXXX XXXX. XXXX XXXX : Date on first letter from Chase acknowledging Altered/Ficticious check depositsXXXX  XXXX. XXXX XXXX : multiple transfers and payments are made to XXXX XXXX to the purported company " XXXX XXXX '' - I still have credit card info and phone numbers from them and neither the XXXX nor Chase requested them. XXXX  9. XXXX XXXX : multiple transfers and payments are made to XXXX to the purported company " XXXX XXXX '' - I still have credit card info and phone numbers from them and neither the XXXX nor Chase requested them. XXXX XXXX. XXXX XXXX : Chase denied/prevented XXXX XXXX payments XXXX XXXX XXXX for {$820.00} and $ XXXXXXXX XXXXXXXX. XXXX XX/XX/XXXX : While traveling and caring for my wife 's XXXX and XXXX XXXX, we discovered that there were a bunch of false claims and suspicious activity on our accounts. I called Chase Bank and instructed their fraud department to stop all claims that were being made against any past purchases to mitigate the problem. All Chase login credentials were changed. XXXX  12. Chase Bank made little to no attempt to protect us from the multiple false claims being made against our past purchases and did not notify us proactivelyXXXX  13. Chase Bank did not contact us regarding said extremely suspicious/unusual banking behavior. XXXX XXXX. XXXX XXXX : I went into the Chase branch at XXXX XXXX XXXXXXXX and was told nothing could be done. The branch manager literally said " I'm sorry, there's nothing we can do. It happened to my dad too. It's a shame. " XXXX 15. In the ensuing days, we received numerous letters from ChaseXXXX 16. XXXX XXXX : I went into the Chase branch at XXXX XXXX XXXX and met with XXXX XXXX who proceeded to help us file numerous claims with Chase Fraud Dept. and she changed three compromised account numbers. XXXX XXXX acknowledged there was fraud and extensive suspicious activity on our accounts. XXXX 17. XXXX XXXX : Debit card ending in XXXX was compromised and closedXXXX  18. XXXX XXXX : Second meeting with XXXX XXXX at XXXX XXXX XXXX branch. During this meeting I spoke with Chase fraud dept and they effectively told me they could only make notations on the claims in question and that only the back office dept. could help us. However, there is no way to speak to the back office. XXXX XXXX again acknowledged there was fraud and extensive suspicious activity on our accounts to myself and my wife. My wife accompanied me to this meeting where she changed one of her account numbers as well. XXXX 19. To date we believe we are owed a total of {$17000.00} from Chase Bank. XXXX a. {$4300.00} from fraudulent checksXXXX b. {$2000.00} from a fraudulent XXXX XXXX XXXX {$7200.00} in false claims against account ending in XXXX d. {$3200.00} in false claims against account ending in XXXX e. {$660.00} in false claims against account ending in XXXX This is the best summary explanation I can muster at this time and am happy to elaborate and/or explain any further and answer any additional questions.