Consumer complaint received 2018-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX  I have a bank account with Chase Bank in which my daughter has a high school checking account.  On XX/XX/XXXX there were fraudulent charges made with her account.  My daughter did lose her debit card but did not notice it was lost until XX/XX/XXXX.  Someone made deposits to her bank account on XX/XX/XXXX in the amount of XXXX and on XX/XX/XXXX anther check was deposited to her account for the amount of XXXX.  These checks were fraud checks and were made out to her name.  These checks were deposited at a Chase bank. We do not know the company who made these checks out to my daughter.  The signature on the back of these checks are not her signature.  They were able to withdraw a large amount of cash from a Chase ATM.  The following are all fraud charges made to my daughter’s bank account. XX/XX/XXXX  $XXXX withdrawn from ATMXX/XX/XXXX  $XXXX withdrawn from ATM Chase XX/XX/XXXX  $XXXX ATM transactionXX/XX/XXXX   $XXXX ATM transaction  XX/XX/XXXX XXXX   $XXXXDebit card transactionXX/XX/XXXX XXXX    $XXXX debit card transaction XX/XX/XXXX XXXX   $XXXX debit card transaction     XX/XX/XXXX XXXX payment to XXXX XXXX  $XXXX (online Chase to Chase transfer)XX/XX/XXXX $XXXX ATM transaction XX/XX/XXXX $XXXX ATM transaction 3XX/XX/XXXX XXXX $XXXX debit card transaction XX/XX/XXXX XXXX   $XXXXXX/XX/XXXX XXXX  $XXXXAll these charges are fraud charges.  On XX/XX/XXXX I logged onto my Chase account online and noticed a large balance on my daughter’s account and I looked and there were several charges she did not make.  I called Chase and reported that there was some unusual activity on my daughter’s account. I was told she would have to call Chase bank. My daughter stated she called the bank and was told we would have to go up to a branch.  This was around XXXX XXXX.  I went to Chase bank (XXXX XXXX XXXX XXXX, TX XXXX) on XX/XX/XXXX at around XXXX XXXX. I explained that there was suspicious activity on my daughter’s high school checking account.  Her account has never carried a balance over $400 nor has she deposited a check larger than $300. Mind this is a high school checking and her balance was $XXXX on XX/XX/XXXX.  The chase representative told me that she would have to come into the branch herself to make these disputes.  I do not understand why I, as the guarantor/co-owner of the account, could not make theses disputes on behalf of my XXXX year old daughter when in fact they are holding my primary account responsible for repaying almost 3,000 back to the bank.  My daughter did go to a Chase branch on Saturday XX/XX/XXXX as advised, but was in the lobby for over an hour and had to leave to go to work.  When I found out this was not resolved, we both went to Chase bank on XX/XX/XXXX to dispute these charges.  The representative told me I would have to speak to XXXX XXXX with Chase bank investigations.  We were advised by the bank to file a Police report, which was done that evening.  We spoke to XXXX XXXX with the XXXX XXXX County Sheriff’s Dept. on XX/XX/XXXX and filed a police report, Case no. XXXX, Phone: XXXX.   These ATM transactions took place during the day when my daughter was in school. I have proof from my daughter’s high school that she was present at the time the ATM transactions took place.The investigation took place by Chase bank and I received a letter stating the ATM charges and the debit card transactions are valid due to the PIN number being used. The police officer did tell me there were several cases where criminals were skimming ATMs to get access to PIN numbers.On XX/XX/XXXX, Chase bank removed all of my money from my savings and checking account to repay the money that was withdrawn from my daughter’s account.  I do not agree that I should be responsible for repaying this money.  Chase should not have released the money when the fraud checks did not clear.  There are several transactions that are suspicious and Chase bank did not alert my daughter or myself. I have banked with Chase bank for over 7 years and have never encountered such a problem as big as this.  All of my money was in this bank and when this happened all the accounts were frozen. I went up to a Chase branch to ask if I could withdraw $XXXX to $XXXX dollars to pay for gas, as the bank held all of my money and was told I could not access any funds.  I felt as if they were treating me as a criminal or taking part in criminal activity.  I understand the legal aspoint but to refuse to give me access to any funds is terrible.  I would add that on XX/XX/XXXX I deposited $XXXX cash to my primary bank account in order to pay my mortgage payment only to find out I don’t have access to any funds.   If I were working with anyone to cash fraud checks, I would not have had $XXXX  in my account nor would I have deposited cash to my bank.  I was not aware my acoount was frozen on Friday XX/XX/XXXX.  I feel I am not going anywhere with Chase bank.  Whenever I call to make an appeal they transfer me to 5 different representatives and no one is able to help.