Consumer complaint received 2026-03-18 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: TX

Complaint narrative:
I have had this account since XXXX, but I hardly used the account until XX/XX/XXXX which is when I started my construction company. I had XXXX clients out the gate and I was burning the candle at both ends at that time. Needless to say, I wasn't keeping up with my finances whatsoever, but rather, I was only focused on making sure I had more continually go in there. In XXXX of XXXX I had recognized that I had some fraud charges come across my transaction history using the Chase mobile app. I immediately called Chase and reported these charges as fraud and explained how I was on the road and was uncertain if there were any others. They accepted the fraud claim and gave me back the money for the charges and I thought everything was taken care of. However, it wasn't until I sat down to do my expense report in XX/XX/XXXX that I noticed that there were additional charges that Chase had missed. They didn't even catch every charge that I reported as fraud even within the same month, much less the month before in XXXX. In fact, that was when I fully understood that all Chase had done was incorrectly blanket all charges during a certain time frame as being fraudulent charges that included quite a few charges that were NOT fraudulent and I NEVER reported those charges as fraud either. This involved charges with XXXX which led to a chain reaction of confusion and frustration that landed me permanently banned from using XXXX as a result. Fast forward to XX/XX/XXXX, I call Chase after discovering the error and make them aware that there were charges that they had missed from my original claim a year ago and that I wasn't happy about that. They were very apologetic and acknowledged there mistake and told me that they would get it taken care of and they provided me with a temporary credit while they investigated. Lo and behold, I get all this money back and immediately start paying off debts that I owe immediately. 10 days later they reverse all the credits out of my account leaving me with a SEVERELY negative balance, refuse to explain the reasoning over the phone and assured me that I would get answers in the mail, and then tell me that my account is being closed without explanation... Given the account closure, it was very difficult to get back in touch with them whereby one person from Chase had explained that my account was being closed because I had made too many claims. The ONLY claim I should've had was the one from XXXX of XXXX where I thought Chase HAD DONE THEIR JOB. It was in XX/XX/XXXX that I discovered additional fraud charges that happened in XXXX of XXXX as well as XX/XX/XXXX that were THE SAME AMOUNTDS AND THE SAME COMPANIES THAT CHASE HAD APPROVED AS BEING FRAUD AT THE TIME THE CLAIM WAS ORIGINALLY MADE IN XX/XX/XXXX. Given that Chase acknowledged their error when I had called and immediately provided me with the credit, I made a rather fair assumption that this wasnt going to be an issue since it was the same companies, the same time frame of when they occurred, and the same dollar amounts as what I had initially reported in XX/XX/XXXX. Now they have charged off my account and speaking with multiple supervisors, they have advised that I was outside of the time frame to make the claim. They don't accept fraud charges after 120 days. Well then why the XXXX didn't anyone say that and why was a second claim made when I thought I was purely just amending the results of the original claim that I had made when these charges were happening? They said that they closed my account because I had reported the charges so late that the delay in filing notice flagged their system to immediately shut my account down. This is wrong on so many levels. Please help me...

Company response to consumer: Closed with explanation