Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Subject : Appeal for Review of Fraud Claim Denial Case No. XXXX Introduction I am appealing Chase Banks denial of my fraud claim totaling {$5600.00}. XXXX XXXX, my bookkeeper, forged my signature to initiate unauthorized transactions. ( For context, prior transactions to XXXX XXXX were limited to a consistent $ XXXX  monthly over three consecutive months, making these larger, irregular transactions an anomaly that should have triggered further scrutiny. ) She stole Money in XXXX and XX/XX/XXXX ; transactions were XXXX. XXXX was not authorized to make such transactions at any time. To cover her actions, she falsely claimed that external hackers were responsible, presenting forged receipts and fabricated evidence to Chase. 
These two narratives can not both be true : the transactions can not be both authorized by me and the result of external hacking. Despite overwhelming evidenceincluding forged receipts, fabricated police reports, fake XXXX account numbers, contradictory statements, and even a public cease-and-desist order issued by the Minnesota Board of Accountancy against XXXX XXXXChase sided with her false claims over my documentation as a client of 20 years. 
Chases failure to investigate the clear contradictions in her claims or verify her fabricated evidence demonstrates gross negligence. The documentation I submitted irrefutably proves that these transactions were fraudulent, unauthorized, and the result of deliberate and calculated fraud. 
Core Argument : Contradictions and Negligence 1. Forgery and False Claims : XXXX XXXX forged my signature and claimed the transactions were authorized. She simultaneously told me the charges were fraudulent and caused by hackers forging my signature. These contradictions were central to her deception. 
2. Falsified Evidence : What She Submitted to Chase : XXXX XXXX submitted forged Square receipts with my fake signature to Chase, claiming the transactions were authorized. 
What I Submitted to Chase : I provided Chase with identical copies of these receipts, which XXXX XXXX had sent to me while claiming they were created by hackers forging my signature. I also submitted the following fabricated materials that she provided : A fake XXXX account number and complaint number. 
Fabricated police report numbers and erroneous police department contact information. 
Proof in the form of emails ( and contact information for the investigator XXXX XXXX ) that this woman was under investigation by the Minnesota Board of Accountants Fraudulent claims of hacking. 
3. False Reimbursement Claims : XXXX XXXX repeatedly told me that Chase was reimbursing the charges, which Chase later confirmed was untrue. This blatant lie could have been easily verified by Chase. 
4. Chases Failure to Stop Transactions : On XX/XX/XXXX, I reported fraud to Chase and stated unequivocally that XXXX XXXX was not authorized to make such transactions. Despite this, they allowed a {$4000.00} transaction to go through, even though it was flagged as fraudulent and pending. 
My initial report to Chase at the XXXX branch was vague because I had not yet been able to contact XXXX XXXX. Later that day, when I reached her, she claimed she had been hacked and that external parties were responsible for forging my signature. Taking her claim at face value, I reaffirmed the fraud at the XXXX branch. Despite this, Chase allowed the first {$4000.00} transaction to process. 
On XX/XX/XXXX, Chase allowed another {$4000.00} transaction to remain pending on the same compromised account. Phone representatives repeatedly insisted this was the same transaction as the first, which was incorrect. I had to intervene in person to stop the second {$4000.00} transaction from being processed. 
5. Incorrect Advice from Chase Representatives : Chase representatives at the XXXX branch, including XXXX, told me that changing my debit card would prevent further fraudulent charges. I suggested closing or compromising the account but was advised against it. As a result, the first {$4000.00} transaction went through, despite their assurances that it would not. 
Police Investigation Updates This matter is currently under investigation by : 1. XXXX XXXX XXXX XXXX XXXX, Minnesota ( Case Number : XXXX ), with assistance from the XXXX Police Department. 
2. XXXX Police Department, Arizona : Report Number : XXXX. 
Detective XXXX XXXX oversees this case alongside the XXXX XXXX XXXX XXXX XXXX. 
These ongoing investigations underscore the seriousness of the fraud committed by XXXX XXXX and further demonstrate Chases failure to act appropriately when presented with overwhelming evidence. 
Request for Resolution I respectfully request the OCC to : 1. Require Chase Bank to reimburse the full {$5600.00} lost due to their negligence in handling my fraud claim. This directly violates their definition of fraud, which includes unauthorized use of an account by a third party or forged signatures. 
2. Conduct a thorough review of Chases policies and practices to ensure better handling of fraud claims in the future. 
XXXX XXXX XXXX XXXX XXXX : Email correspondence from XXXX XXXX where she falsely claims hackers forged my signature and includes fabricated XXXX receipts. 
2. XXXX XXXX : Text messages where XXXX XXXX claims to have been hacked and references fraudulent refunds. 
3. XXXX XXXX : Email from XXXX XXXX with claims of fraudulent charges from the XXXX, fake XXXX account numbers, and fabricated police contact details. 
4. XXXX XXXX : Fabricated Square account and complaint numbers and false police report information. 
XXXX. XXXX  XXXX : Forged documentation where XXXX XXXX claims Chase mandated her to send a refund. 
XXXX. XXXX XXXX : Screenshot of a second {$4000.00} pending transaction after the fraud was reported. 
XXXX. XXXX XXXX : Correspondence with XXXX XXXX from Chase where she advised against closing the account. 
XXXX. XXXX XXXX : Additional fraud documentation sent to XXXX XXXX XXXX 
XXXX. XXXX XXXX : Minnesota Board of Accountancy cease-and-desist order against XXXX XXXX. 
Signature : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation