Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I contacted Chase customer regarding a ACH dispute. On XX/XX/2018, I contacted Chase Customer Service department to file an unauthorized transaction on my account In the amount of XXXX from the XXXX XXXX. I explained to the Claims dept that this transaction was not authorized by myself. I explained to the claim Specialist that this company XXXX XXXX I have had no business relation in over a year. After I further explored I realized it has actually been 2yrs. On XX/XX/2018. I contacted XXXX XXXX to inform them that this was unauthorized and wanted an explanation as to what warranted this charge. XXXX XXXX stated I reinstated my account with them all though they could not provide any verification of this authorization. On XXXX XXXX. I received a letter from chase dispute department stating that the transaction was verified authorized. I contacted Chase claim department to get answers to this statement in which I am 100 % positive that this verfication process could have not possibly taken place because Im 100 % sure that I have neither authorized verbally or written XXXX XXXX  authorization on my acct. XXXX could not present me with verifiable authorization so how did they do it with Chase in less than 2 days.After speaking with the claim Specialist XXXX he explains to me that this is verified based on previous relations that I have had with the company which at no point warrants a company to rightfully use a previous client banking information for fraudulent charges. Upon Speaking to the Supervisor XXXX who intells that the information XXXX has given me is accurate based on my previous relationship with this company. XXXX stated that it is Chase resonable determination that the investigation did not have any need of further investigation after I insisted that my previous 1yr old relationship does not warrant a company have previous access to my account information is a valid right to apply charges to my account. XXXX stated that there is no proof that I did not allow this company access to apply these charges. I explained to XXXX if the Dispute Department had reached out to style seat to verify and provide valid proof this was authorized you would have the proof that you need. But XXXX indicated this is not how Chase works aa banking institution and because we could verify your previous relation we believe you authorized this transaction and dont find that this is fraudulent or unauthorized. As a customer of Chase I find this to be very disturbing that the banking institution that i have bank with for over 10yrs would  first allow this second that one in position as a supervisor would treat a clients concern so trivial.I am lead to believe and feel that due to fact this is a XXXX transaction that Chase representatives deem it to be of no necessary investigation or concern which is very alarming. I know that Chase Dispute team did not follow through with verifying the validity of this transaction just based on the time frame alone. When in fact i have disputed transactions in the past that has had a 10-30 day  investigation. I believe this is unethical and very unjust that regardless of the amount I am not recieved the proper service or accountability from the merchant that I deserve a Chase customer.After asking XXXX to refer me to his direct supervisor I was sent to a general voicemail vs the Supervisor. I have reached out to Chase Regional and Executive Directors and have received no response this is the third time I've had this experience and this time Im demanding actions from Chase. 

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