Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This letter is a formal complaint regarding Chase Banks handling of fraud committed on my account. 

Fraudulent activity occurred on my account, and despite this, Chase did not take the necessary steps to protect me as a customer. Instead, I was informed that I now owe Chase moneyeven though the charges were the result of fraud. This is unacceptable. 

I am already facing financial hardship, and I am a person with a XXXX. I do not have the financial means to pay for transactions that I did not authorize. The fraudulent activity resulted in money being taken from my account, including a recently deposited payroll check. I was initially told that the funds would be returned to me, but instead I received a letter demanding that I repay Chase for the fraudulent transactions. 

I can not and will not pay for charges that were the result of fraud. Requiring me to do so would force me to sacrifice essential needs such as my healthcare, medications, doctor visits, food, and housing. 

Chase owes me the money that was taken due to fraud, and I am requesting that these funds be returned immediately. Additionally, I want Chase to stop claiming that I owe them money for fraudulent activity that I did not commit. 

I expect this matter to be resolved promptly. 

If you'd like, I can also format this as a formal complaint letter with your name, address, and a subject line. 

You said : Can you put this letter in the documents as a copy and paste XXXX  said : Your letter is now placed in the document and ready for you to copy and paste. Let me know if you want edits, a more formal tone, or additional sections added. 

You said : Put the letter in the saved document XXXX  said : Chase Complaint Letter This letter is a formal complaint regarding Chase Banks handling of fraud committed on my account. 

Fraudulent activity occurred on my account, and despite this, Chase did not take the necessary steps to protect me as a customer. Instead, I was informed that I now owe Chase moneyeven though the charges were the result of fraud. This is unacceptable. 

I am already facing financial hardship, and I am a person with a XXXX. I do not have the financial means to pay for transactions that I did not authorize. The fraudulent activity resulted in money being taken from my account, including a recently deposited payroll check. I was initially told that the funds would be returned to me, but instead I received a letter demanding that I repay Chase for the fraudulent transactions. 

I can not and will not pay for charges that were the result of fraud. Requiring me to do so would force me to sacrifice essential needs such as my healthcare, medications, doctor visits, food, and housing. 

Chase owes me the money that was taken due to fraud, and I am requesting that these funds be returned immediately. Additionally, I want Chase to stop claiming that I owe them money for fraudulent activity that I did not commit. 

I expect this matter to be resolved promptly.

Company response to consumer: Closed with explanation