Consumer complaint received 2024-01-11
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. (NJ)

On XX/XX/XXXX I called into claims and disputed a number of charges as not authorized. Made inquiries online message center on Chase mobile app. On XX/XX/XXXX For update. Chase response was XX/XX/XXXX claim closed. I sent another message asking clarification and XX/XX/XXXX got same response of closed. XX/XX/XXXX asked for answers to a numbers of questions instead of clarity. XX/XX/XXXX same response of only closed. XX/XX/XXXX and XX/XX/XXXX same go around. XX/XX/XXXX same inquiry worded differently and response was I need to provide additional information in order to open the inquiry. I have provided additional information of the same fraudulent charges on closed claim are still being attempted and dates. Insufficient funds is how they are denied. There is no date pattern or consistent dollar amount with attempted charges. I have to keep the account at a minimal dollar amount because of this. This have lead to fees for not maintaining a higher balance. I have called numerous times and last call being as I type this. After being transferred 6 times and lastly to escalation department I was given the choice of press one for survey or you may hang up. XXXX hour and XXXX minutes to get hung up on. My list of justification are as follows. The use of ATM card has been XXXX uses online or stores. Reason is its risk of money being taken immediately. Sudden use and immediate dispute. XXXX, XXXX use the same day XXXX in a branch in New Jersey. Only XXXX card issued. In the claim are previous disputes that have monies returned to me. XXXX previous claim denied response was the vendor provided proof of reoccurring charge. After phone calls I got lucky and spoke to someone stating if its a reoccurring charge how come I wasnt charged months prior and this dispute is the first time. Wasnt researched. There are more justifications. The systems are not in place or employees are not trained to handle this situation. I find it hard to believe that a unanswered dispute is ignored by customers and Im unique. Furthermore there seems to be intent to wear a person down and have it ignored due to time consumption. 
XX/XX/XXXX I changed my account numbers because of identity theft. I was asked to schedule an appointment to do that after I stated my accounts may be compromised. XXXX XXXX I received a new ATM card. Yet they allowed transactions to occur after these actions by me. Merchant stop was one of my message center questions. Claim is closed or a vague broad response of thats our policy is not acceptable to a specific claim. Why is the individual responsible to deal with fraud and charges not done by them. Banks gave out the money because THEY didnt do due diligence. If its a billion dollar/yr issue for Chase bank , then put in hard measures instead of a band aide measure that are designed to keep things easier for the customer. This nightmare has taught me how easy banks, computers and others actually make it easier for identity theft. I drop the money at the store. I lost it. The bank gave out money without a visual, physical or branch interaction. They lost it. Id say proof of signature please but you can sign false name as THE BANK allowed a purchase without ID verification and confirmation of same signature thats on back of card. XXXX XXXX circumvents the entire need for signature. It could be longer. Thank you.