Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I am filing a complaint against Chase Bank as they are ignoring our rights under the EFTA  ( Electronic Funds Transfer Act ). 

I initiated a fraud claim with Chase within 60 days of the fraudulent activity. In some cases, the report was filed within 30 days of the fraudulent activity. Chase denied the claim and told me to contact Chase 's Executive Business office. I called Chase Executive Business office who re-opened the claim, but then the claims department denied it again and the Executive Business Office ( XXXX ) stated that they can't do anything if the claims department rejected the claim. 

{$6900.00} was stolen from my checking account to purchase Moneygrams using our debit card ending in XXXX. We had possession of that debit card and destroyed it immediately as Chase instructed. Here are the four ( 4 ) fraudulent claims. 

XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( ... XXXX ) - XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ( ... XXXX ) - XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( ... XXXX ) - XXXX I called XXXX who will not release any information without a subpoena. 

There were multiple other fraudulent claims, the most egregious being XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX ( ... XXXX ) XXXX XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ( ... XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ( ... XXXX ) XXXX I sent an email XX/XX/XXXX to XXXX XXXX stating I did not make a purchase and need someone to contact me to get this reversed. Email address is https : XXXX  No response to date. 

The facts are : Neither my husband nor I, the account owners, were notified of suspicious activity on the account as we frequently receive to check funds going out of the account. 

When I called the Claims Department on XX/XX/XXXX, XXXX stated that Visa, Chase 's policy holder will not investigate claims from moneygrams. This isn't a Visa insurance issue. Visa is their insurance provider and its shameful that Chase is sharing this information with clients. 

A criminal complaint has been filed with the XXXX XXXX Police Department - Detective XXXX XXXX, XXXX XXXX Police Department, XXXX XXXX XXXX, XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. The XXXX has requested a Subpoena for my records as the bank will not release them. 

My husband also went to the Chase in XXXX NY to get assistance from the V.P. Branch Manager, XXXX XXXX ( XXXX ). She personally took charge of this claim and sent the police report to Chase Claims on two different occasions. The third time she called, she was told they did not have the police report. I called Chase Claims again today and XXXX could not find the police report again even though XXXX XXXX has a confirmation number. 

I also contacted the Chase fraud department who confirmed they only handle real time fraud. She referred me to Chase executive business office ( run-around ). 

I have escalated this claim multiple times, no response from Chase. I have sent Chase a letter notifying them they are in breach of EFTA. No response to date. 

I need your assistance in recovering funds from Chase who is ignoring my requests. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX