Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
b"I have an ongoing investigation with Chase under XXXX  I have received a letter for one of the transactions for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnUpdate: Here's information about your claim\nDate of inquiry: XXXX XXXXnClaim number: XXXX XXXXCard ending in: XXXX XXXXClaim related to account ending in: XXXXnDear XXXX XXXX XXXX XXXX XXXX XXXXWe accept operator relay callsXXXX XXXX XXXXWe have researched the transaction(s) you reported on XXXX.\nHere's what you should know\n We found that the transaction(s) was processed according to the information you provided or was authorized.\n As a result, we are removing XXXX from your account on or after XXXX If the account the claim is related to is no longer open with Chase, we may ask you to repay the credit(s). \n Contact us if you would like to request the information we used for our research.\nIf you have questions, please call us at XXXX\nSincerely,\nCustomer Claims Department\nEnclosure\nJPMorgan Chase Bank, N.A. Member FDI\n\nIN reply to them  I said to provide the information they accused me of providing for hacker taking over my account.  They have not provided the information I ask them for regarding the atm review, the ip address etc.  PLease find below my letter to this accusatory claim\n\nBank: JPMorgan Chase Reinvestigation\n\nType of Complaint: Unauthorized Transaction / Account Takeover\n\n\nI am disputing unauthorized activity on my account (Account Number: XXXX that occurred due to an account takeover.  \n\nTimeline of events:  \n1. I received a text alert that my online banking account had a successful login. I did NOT initiate this login.  \n2. Immediately after noticing the unauthorized login, I contacted Chase to report it.  \n3. Despite my prompt reporting, fraudulent loan reversal claims were filed and a temporary credit issued. That same day, the temporary credit was withdrawn at an ATM. I did not authorize or conduct any ATM withdrawal.  \n4. OTP (one-time passcode) irregularities were observed: the code sent to my business phone did not arrive, while the code sent to my personal phone did. This suggests possible telecom compromise or SIM swap. I immediately changed my business phone number as a precaution.  \n5. The IP address used for the login was not mine, further confirming unauthorized access.  \n\nI have requested the bank provide documentation of:  \n- All IP addresses and devices used during the fraud.  \n- OTP logs and delivery history.  \n- ATM withdrawal location, timestamp, and camera review confirmation.  \n- Card and PIN history.  \n- Any changes to account contact information during the fraud.  \n\nDespite reporting the unauthorized access promptly, Chase reversed provisional credits, claiming the transactions were authorized due to correct PIN and card use. I did NOT authorize any of these transactions.  \n\nI am requesting:  \n- Full reversal of the fraudulent transactions.  \n- Written confirmation of account security measures and investigation.  \n- A review to prevent future account takeover.  \n\nThis matter constitutes an **unauthorized electronic fund transfer** under federal law (Regulation E).  Last week, I filed a police report with the XXXX County Police Department with Deputy Cody Logan, Case XXXX XXXX.  I have also inquired about legal representation because I have been dismissed by my bank as a nobody because of their error. Please, I am also asking the CFPB if they know of any other legal entities I may pursue in this matter to help me. Chase has totally ignored my request for the information I have been asking for. \n\nThe loan Company XXXX XXXX  has called me today to ask me about the situation and said to bring the police report and complaints.  I am so stressed about this situation.  I have paid off my loan I have paid off the overdraft fees, the cash app overdraft.  \n\nThe hacker put in a claim reversal for things I have already paid off, and Chase gave it to them. Again, I will say this is an inside job. How else would they know Chase would do the reversal that same day, with less than 24 hours or less? I will fight with everything I have in me, for I did NOT authorize or give permission for things that happened to my account.  \n\nSincerely,  \n[Your Full Name]  \n[Your Contact Info]"

Company response to consumer: Closed with explanation