Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Request for Assistance with Unauthorized Transaction Claims XXXX XXXX XXXX  Account Information : Chase Checking Account # XXXX ( Primary ) Claim # XXXXXXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to request your assistance in resolving an issue with unauthorized ACH transactions on my checking account. I am hoping you can help me navigate this distressing situation and ensure that my claims are properly processed. 

On the morning of XX/XX/year>, I received an overdraft notification from JPMC via email, which prompted me to check my online banking. To my dismay, I discovered numerous unauthorized charges that I had never authorized or initiated. I immediately called Chases claims department to report these fraudulent transactions. 

During that call on XX/XX/year>, I reported the following unauthorized transactions to your claims representative ( the recording of this call should verify these details ) : Reported Unauthorized Transactions : - 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unfortunately, it appears that the XX/XX/year> micro-deposits were inadvertently not included in the initial claim documentation, though I did report them during that first call. This omission led to my receiving a denial letter on XX/XX/year>. 

Upon receiving this letter, I contacted the claims department again on XX/XX/year>. The representative I spoke with was very helpful and submitted additional claims to ensure all the unauthorized transactions were properly documented. As a result, I currently have three claim numbers associated with these disputed transactions : # XXXX, # XXXX, and # XXXX. 

I fully understand that some of these transactions may fall outside the 60-day dispute window, and I recognize that reimbursement for those may not be possible under banking regulations. However, I am particularly concerned about the transactions that do fall within the protected timeframe, especially the substantial XX/XX/year> transactions. 

I am reaching out now to respectfully request your help in ensuring that my claims are processed correctly and that I receive provisional credits for the disputed transactions that qualify, particularly those within the 60-day reporting window. I promptly reported these issues as soon as I discovered them and have completed all requested documentation, including the Disputed Transaction Questionnaire. 

This situation has caused me considerable stress and financial hardship. I would be deeply grateful for any assistance you can provide in expediting the resolution of these claims. If reviewing the recorded call from XX/XX/year>, would help clarify that all transactions were reported during my initial contact, I would encourage you to do so. 

I sincerely appreciate your time and attention to this matter. Please let me know if you need any additional information or documentation from me to help resolve these claims. 

Thank you for your understanding and assistance. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with monetary relief