Consumer complaint received 2025-06-25 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: TN

Complaint narrative:
To : Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Chase Executive Office, I am submitting this updated formal settlement demand in response to Chases XX/XX/year> letter and ongoing correspondence with the Consumer Financial Protection Bureau ( CFPB ) . Despite presenting new material evidence, it is clear that Chase continues to deny responsibility, while engaging in flawed investigative practices, issuing selective reimbursements, and causing me substantial emotional and financial harm.

I have filed formal complaints with the CFPB, the Office of the Comptroller of the Currency ( OCC ), and the Federal Trade Commission ( FTC ). Additionally, I am actively pursuing all legal and administrative avenues available to ensure full accountability and restitution.

Chase claims that the transactions in question were processed based on information I provided or were authorized by me. However, nine unauthorized transactions from XXXX occurred in rapid succession on XX/XX/year> a highly irregular pattern that Chase failed to flag or block. This failure fundamentally undermines any assertion that the transactions were legitimate or authorized. ( reference XXXX and XXXX ) Chase further argues that the merchant provided documentation confirming the transactions were valid, noting the email and phone number matched mine. Fraudsters commonly spoof such contact information. I possess audio evidence from XXXX on XX/XX/year> at XXXX XXXX confirming the originating IP address was XXXX, geolocated to XXXX XXXX Oklahoma not XXXX XXXX Chase relied upon. This directly contradicts the basis for Chases denial.

Chase also claims it was unable to prove fraud occurred. Yet Chases investigation omitted critical IP data from the day of the fraud, representing a significant investigative lapse. ( reference XXXX ) Additionally, a Chase representative insinuated that I knew the fraudster, an unfounded and racially charged assumption that was both inappropriate and unsupported. 

Despite these issues, Chase declined my request for reimbursement, stating there was no error on their part. This ignores clear violations of Regulation E, procedural inconsistencies, and the considerable harm caused by Chases mishandling financially, emotionally, and to my reputation.

Chase advised I resolve this matter outside their institution. I am doing so by coordinating with federal regulators and exercising all legal rights to ensure restitution and oversight. 

The core failures are evident : all XXXX suspicious XXXX transactions occurred on the same day in a tight cluster. Chase reimbursed only two, denying seven despite identical timing and merchant an inconsistent and flawed approach. Both Chase and LemFi failed to provide XXXX data from the fraud day, yet I hold audio proof confirming the XXXX XXXX address. No fraud alert, block, or verification texts were issued, contrary to Chases established fraud protocols that typically flag even minor discrepancies. One Chase representative explicitly assured me I would definitely get [ my ] money back, which created expectations and worsened the emotional impact when the claim was ultimately denied. 

Furthermore, a Chase representative claimed that XXXX provided proof I knew the fraudster a defamatory and racially insensitive statement given that I am Nigerian-American and the fraud originated in XXXX. This baseless accusation caused significant emotional distress. At one point, I broke down crying inside a Chase branch, in front of staff and other customers, and was offered tissues by a teller. This public humiliation, along with the financial loss, has had a lasting negative effect on my well-being.

Due to Chases reversal of the provisional credit, I was left {$2000.00} short of completing a car purchase. The dealer granted only a brief grace period, forcing me to borrow money from a close friend to avoid losing the vehicle entirely. This created additional financial strain and personal hardship.

Company response to consumer: Closed with explanation