Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
My name is XXXX XXXX. My business checking account name is XXXX XXXX XXXX XXXX. Account number is XXXX. I was the sole owner of the account. I discovered that my account got five unauthorized withdrawals on XX/XX/XXXX from online banking. These withdrawals happened as follows, XX/XX/XXXX, teller withdrawal, XXXX ; XX/XX/XXXX, teller withdrawal, XXXX ; XX/XX/XXXX, teller withdrawal, XXXX ; XX/XX/XXXX, teller withdrawal, XXXX ; XX/XX/XXXX, teller withdrawal, XXXX. 
The total amount was XXXX. I made the phone call and report to Chase Bank on XX/XX/XXXX. They said that I have to fill out the Unauthorized signature or Forged item Declaration form. So I had waited for the form while I went to precinct XXXX police station on XX/XX/XXXX. The police XXXX asked me for an affidavit of forgery/fraud from the bank. I went to a XXXX branch, XXXX XXXX XXXX, XXXX, NY XXXX XXXX The bank said they don't have such thing like affidavit of forgery/fraud. The bank provides an account summary and the Unauthorized signature or Forged item Declaration form to me, and then I went back to precinct XXXX police station. The police XXXX said that since we can not provide affidavit of forgery/fraud, they can not take our case. And then I went back to the Chase branch. The banker told me that they were unable to provide the affidavit of forgery/fraud. I did freeze my credit as well to prevent further frauds. 
After many days, I didn't receive the response from the bank, so I called them again. The bank said we have to wait until XX/XX/XXXX to get the response. During these days I already faxed over the Unauthorized signature or Forged item Declaration form to Chase. 
I kept calling the bank about the issue every couple days until XX/XX/XXXX I received the actual forms from the bank. It was the unauthorized signature or Forged item Declaration form. 
I called on XX/XX/XXXX to Chase, they said that they didn't receive the signed form, and the case has been closed. Once they receive the form, they will reopen the case again. But I already made XXXX faxes. So I faxed the required forms to them again, and I also mailed a registered mail to them. Until XX/XX/XXXX, I called Chase again, they said that they received the forms and my claim got declined because they said that I did the withdrawals. 
I asked Chase that someone did withdrawal from my checking account within five days with unusual/suspicious activities. Chase didn't alert me until I found out from the online banking. I checked all of these withdrawal transactions and they all signed by strange signatures. Signatures were completely different from my signature. I asked Chase that why they didn't check the person 's ID if they do withdrawals. The bank kept saying that as long as their customers used the Debit card and PIN number, Chase doesn't check ID and signature. I argued with them about two hours. The bank kept saying that the person had my debit card and PIN number, which was I who did these transactions. I was pretty sure that the bank will ask for my ID, debit card, and PIN number when I make the deposit. Why they did not need my ID and signature for withdrawals. I asked that they check out the recorded videos of these transactions. That can prove I did not make these transactions. They refused to do that and asked me to go to a police station and make phone call to them in the police station. 
I went to precinct XXXX police station, and they did not take my case or issue a police report for me. 
For the past months, I asked my daughter-in-law to make many phone calls, went to Chase branch and police station. Every department said they can not help me out and my money just went away. 
I am XXXX XXXX XXXX, and I don't speak XXXX. Every time I need to call the bank or go to the police station, I have to ask my daughter-in-law to do the translation works. I don't know what to do next. Please help.

Company response to consumer: Closed with monetary relief