Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

I am writing to file a formal complaint against Chase Bank regarding unauthorized charges on my account and the subsequent denial of my claim. Despite following the necessary procedures and providing all the required information, Chase Bank has failed to adequately address my concerns and reimburse me for a substantial amount of unauthorized charges. 

On [ date ], I discovered several charges on my account that I did not authorize. Immediately upon noticing these unauthorized transactions, I reported the issue to Chase Bank through multiple channels. I visited a Chase branch in person and filed a report with an employee, and I also attempted to contact the bank 's XXXX number on several occasions, but was unable to reach a representative. 

Furthermore, I promptly reported the incident to the local authorities and obtained a police report, which I promptly provided to Chase Bank as evidence of the theft. Despite my diligent efforts to report the unauthorized charges and cooperate fully with the bank, Chase has only provided a partial credit for the charges, denying reimbursement for approximately [ $ amount ] of unauthorized charges. 

I would like to highlight that I have never conducted any business with the merchants associated with these unauthorized charges, and I have made multiple attempts to contact them to dispute the charges. Unfortunately, my efforts to reach them have been in vain. 

Chase Bank 's denial of my claim for a significant portion of the unauthorized charges is unjust and unacceptable. I believe I have fulfilled all the obligations and requirements outlined by Regulation E, and I should be entitled to a full refund for the unauthorized charges. 

I have attached a list of the charges that were debited from my account. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and ensure that Chase Bank fulfills its obligations under consumer protection regulations. 

I appreciate the Consumer Financial Protection Bureau 's commitment to safeguarding consumer rights and holding financial institutions accountable. I trust that you will conduct a fair and impartial investigation into this matter and take appropriate action to rectify the situation. 

Thank you for your attention to this complaint, and I look forward to a swift resolution. 

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