Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   RE : Fraudulent ATM Transaction Dispute - Chase Checking Account ending in XXXX, Chase Debit card ending in XXXX Dear Sir/Madam, I am writing to report a series of fraudulent ATM withdrawals from my Chase checking account that occurred between XX/XX/2024, and XX/XX/2024. I am XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, an established American company based in XXXX XXXX with a decade-long track record of serving American and global customers, managing XXXX translators, and generating millions of dollars in revenue. 

On the evening of XX/XX/4, I discovered my checking account had been drained to {$7.00} through numerous unauthorized ATM withdrawals. While Chase has denied my initial dispute claim, I am providing comprehensive evidence that demonstrates these transactions were fraudulent. 

Detailed Evidence of Fraud : 1. Transaction Pattern Analysis : - Total fraudulent withdrawals : {$4500.00} across 47 unauthorized transactions XXXX 46 different ATM locations were used across XXXX, suggesting a systematic pattern of fraud - Multiple withdrawals occurred on the same days ( up to 8 times in a single day on XX/XX/XXXX ) XXXX  Average of XXXX withdrawals on active days, which is highly unusual for normal banking behavior - Systematic pattern of keeping withdrawals under {$200.00}, likely to avoid security flags- They used multiple ATMs in close proximity on the same day 2. Geographic Impossibility For Some Dates : - I was in XXXX for a business conference on XXXX XXXX XXXX  - During these dates, multiple ATM withdrawals occurred in XXXX- I can provide photos, conference registration, and other documentation proving my presence in XXXX. I and my company were actually XXXX  level sponsors of this event. 

XXXX. Historical Banking Pattern Inconsistency XXXX XXXX My established banking pattern shows minimal ATM usage - I primarily use credit cards for transactions - My checking account is typically only used for paying monthly credit card statements, except for a couple subscriptions such as XXXX at the value of approximately XXXX  {$10.00} XXXX There is no precedent of multiple daily ATM withdrawals in my account history before XX/XX/2024 - The sudden change in transaction patterns coincides exactly with the start of the fraudulent activity XXXX. Professional Context : - As a XXXX XXXX and XXXX of a successful American company with substantial revenue, I have no motivation to make false claims - My position requires extensive understanding of XXXX XXXX, and I maintain strict security protocols- I have stable income through my business and have generally maintained good financial standing in my whole life- This fraud has caused disruption to my plans within the next 6 months XXXX. Systematic Fraud Indicators XXXX XXXX  Calculated transaction amounts : consistently kept under {$200.00} - Strategic use of multiple ATM locations across XXXX - Deliberate pattern of weekday-only transactions, avoiding weekends to prevent detection - Professional fraud tactics evident in the systematic withdrawal pattern Specific Transaction Examples : - XX/XX/2024 : 8 separate withdrawals totaling {$830.00} - XX/XX/2024 : 6 separate withdrawals totaling {$580.00} - XX/XX/2024 : 3 withdrawals totaling {$300.00} while I was verifiably in XXXX While Chase notes that my PIN was used for these transactions, I have never written down my PIN code and take extensive precautions with my banking security. All of my passwords are fully randomized, 2-factor authentication is always enabled, with additional protection of Face ID or Fingerprint ID. The systematic nature of these withdrawals strongly suggests sophisticated fraud tactics rather than legitimate banking activity. 

Request for Action : I respectfully request a thorough investigation of these transactions and reversal, considering : XXXX. The mathematical impossibility of being in multiple locations simultaneously XXXX. The stark contrast with my historical banking patterns XXXX. The systematic nature of the withdrawals suggesting organized fraud XXXX. My documented absence from New York during some of the fraudulent withdrawals I am prepared to provide : - Historical banking records showing my normal usage patterns - Complete business conference documentation from XXXX for transactions on XXXX XXXX - Any additional documentation or evidence required - Personal interviews or statements as needed The impact of this fraud amounts to {$4500.00}, causing significant financial strain and personal financial planning disruption. I am committed to cooperating fully with any investigation and can provide any additional information needed to resolve this matter. 

I look forward to your prompt attention to this matter and a thorough investigation of these fraudulent activities. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Attachments : XXXX. Complete transaction list for XXXX, so you can see my historical banking patterns XXXX. XXXX  transaction list, filtered for fraudulent ATM withdrawals XXXX. XXXX XXXX documentation XXXX Business credentials Email : XXXX or XXXX Phone : XXXX COMPLETE FRAUDULENT TRANSACTION LIST ( also attached in this application, full list of transactions as well as filtered list of fraudulent transactions ) : Details Posting Date Description Amount Type Balance DEBIT XX/XX/2024 ATM DEBIT XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ATM DEBIT XX/XX/2024 ATM DEBIT XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ATM DEBIT XX/XX/2024 ATM DEBIT XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ATM DEBIT XX/XX/2024 ATM DEBIT XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ATM DEBIT XX/XX/2024 ATM DEBIT XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ATM DEBIT XX/XX/2024 ATM DEBIT XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ATM DEBIT XX/XX/2024 ATM DEBIT XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ATM DEBIT XX/XX/2024 ATM DEBIT XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ATM DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX  XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX  XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXXXXXX XXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXXXXXX XXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX CENTR XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX COOPE XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX  XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX  XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX  XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX/3146 XXXX  XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXXXXXX ATM XXXX DEBIT XX/XX/2024 NON-CHASE ATM WITHDRAW XXXX XXXXXXXX XXXX XXXX ATM XXXX

Company response to consumer: Closed with explanation