Consumer complaint received 2025-03-08 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: NV

Complaint narrative:
This is a case of fraud and cyber security. 

XX/XX/year>. I was at home with my wife. I checked my email on my phone and noticed XXXX spam/junk looking emails in my inbox. I thought it was super weird and moved the to my spam folder. 

later that evening I was checking my bank account ( as I often do ) and noticed a total of 3 charges I didnt make. 2 from XXXX  and 1 from XXXX XXXX. I froze my debit card from the app and went back to my emails, hidden within all the spam emails where receipts from XXXX XXXX XXXX XXXXXXXX. I was able to contact XXXX XXXX and cancel the transaction telling them it was fraud, the charge didnt post and I moved on. I tried to calXXXX XXXX but they had already released the merchandise. They told me to submit a claim with my bank. 

I changed the passwords for my XXXX XXXX XXXX XXXXXXXX accounts ( neither of which I had been into in years I think ) and also removed saved payment methods, it was concerning because they had all my info and my new debit card saved. I didnt put that info in there. 

I submitted a fraud claim with Chase. They were very slow to issue a credit, at least a couple weeks. Now on XX/XX/year> I get a letter saying that are reinstating the charge because its valid. 

i call chase, spend 30+ minutes on the phone, they tell me its because XXXX  provide information showing i made the charge and i had to dispute it with XXXX. 

i called XXXX they told me they can see a suspicious account was made using my info the night the charges happened. He told me he wasnt sure how the account the account was made without flagging issues in the system for electronic verification process. They told me they cant refund it or do anything and I have to deal with Chase on the matter. 


I called Chase again, got the same story. Request to speak to a higher level supervisor. Once I was finally transferred this person seemed to know even less. They tried to tell me it was a an in store pin transaction ( which hasnt been the case this whole time ) I told him I didnt believe that, after he on hold he came back and send it was an error in their system and its because XXXX said the charge is valid. I asked him to email me those documents or send them in the app. He said he can only mail them to me or email them to a banker and have them print it for me. 

everyone at Chase refused to reopen the claim Im trying to dispute because its a fraudulent charge I didnt make or authorize for nearly {$1000.00}. Thats a lot of money I work hard for, its how I support and feed my family. This really puts me in a financial bind. I feel Chase hasnt support my case or been on my side at all. 

Ive collectively spent over 3 hours on the phone with Chase and XXXX Both saying its the other companies issues to solve. Ill continue you the battle but really need help and will take legal action if needed. I was a victim of fraud and justice has not been done.

Company response to consumer: Closed with explanation