Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
In a nutshell, from XXXX XXXX, XXXX to XXXX XXXX, XXXX Chase bank at at least XXXX different locations near XXXXXXXX XXXX allowed someone with a fake ID with my name, address, and birthday on it to enter the branch with fraudulent checks made payable to me from other people 's checkbooks, and walk out with {$5900.00} in cash without ever validating the signatures, blacklight scanning the ID, using two-step verification for someone presenting only an ID and no debit card or pin #, and no common sense in asking why someone with a SC address would be cashing checks for thousands of dollars out of state in XXXX? As a result, on XXXX XXXX, XXXX Chase bank closed my checking account and made me open a new one with all new checking and routing numbers ; so I had to go through all of my autopay accounts for my mortgage, utilities, college savings funds, subscriptions, investments, and everything else coming out of the account automatically and re-map them to the new account. This took months to complete. The bank reimbursed the {$5900.00} on XXXX XXXX, XXXX and we moved on thinking it was a one-time thing. From XXXX. XXXX, XXXX to XXXX. XXXX, XXXX ; it happened again where {$23000.00} was stolen from the new checking account by a person with a fake ID who, pretending to be me ; went around to XXXX different Chase Bank branch locations throughout the XXXXXXXX XXXX area with XXXX XXXX from multiple different stolen checkbooks written payable to ( my name ) for amounts between {$2900.00} and {$3400.00} each, and walked out with cash in hand and no questions asked by ANY of the branch locations. They again didn't validate the signatures, blacklight scan the ID, use two-step verification for someone out of state without a debit card or second form of ID, sanity check out of state check cashing for dollar amounts in the thousands, or sanity check the transactions in the system showing that this person visited numerous branches in the area within days of each other cashing checks in the thousands. After the first several checks were cashed fraudulently, the Chase Bank XXXX XXXX department and my local branch also put internal banking alerts on my account explicitly stating not to allow any transactions to the account of any kind outside of the branch located in in my home town where I do all of my banking and they know me personally - but more fraud transactions were cashed after that anyway, so they didn't follow their own internal alerts either. All the guy used was a fake ID with my name, address, and birthday on it and his picture and he walked out with thousands of dollars in cash at all of these locations! I honestly believe that there is an internal fraud ring within the Chase Bank locations throughout the XXXXXXXX XXXX area because it's hard to believe that XXXX different Chase Bank branches would all fail to follow even the most basic security protocols to secure my account and my money. This had to be intentional. As a result of this gross negligence on Chase Bank 's part, my account was allowed to go into the negative by over {$3600.00} ; the account was shut down by chase bank even after I told them to leave it open so I can pay my bills ( the account itself wasn't compromised - chase bank tellers were not following security protocols to protect my account and allowing checks to be cashed that shouldn't have been, so the account was technically still secure ) ; they forced me to open a new account yet again ; but this time I opened a checking account with another bank and had to re-map all of my bill payments over to that XXXX ; the account shutdown also resulted in my Chase credit card autopay not being completed and they gave me a grace period to get my account back up and running but failed to follow through with what they promised even after a payment was made and shut my credit card down anyway ; telling me the system did it automatically and that there is literally no one in the entire company that has the authority to override the system and reactivate my card until the payment processes in XXXX business days- leaving me stranded at a XXXX XXXX at night with no means of making any payments ( my new debit card was still being mailed and my credit card was all I had ). They didn't care or try to help at all, even after XXXX escalations all the way to the XXXX level. Then on XXXX. XXXX, XXXX it happened to my wife as well where her credit card was shut down and declined because the autopay account it was tied to was shut down by the back office, resulting in a decrease in both of our credit scores. In addition to that, Chase Bank has shown nothing but incompetence on their part in reimbursing me for the money that was stolen. I submitted a claim form with all XXXX fraudulent check transactions on it on XXXX. XXXX, XXXX and the XXXX department told me it would take XXXX to process. It's been a month!!! Every day I'm on the phone with either the bank, the fraud department, global security department, or the customer escalations department trying to figure out where my money is and every time I call I get another excuse as to why they're delayed and get another failed promise when I can expect it. The branch XXXX at XXXX XXXX bank has provided them the information at least XXXX times personally via email and phone calls ; and I have provided them that same exact information myself at least half a dozen times via the claim form, voicemail, and verbally in person over the phone ; and every week they keep calling me asking for the same exact information because, " They don't have it ''. It has been an absolute train wreck for my family and I on all levels! This incident has negatively impacted our life, our family, our jobs, our finances, our credit, and our ability to pay our bills- and we didn't even do anything wrong! That being said, I have scanned copies of all of the checks front and back proving the signatures were never validated. The signatures aren't anywhere close to mine and aren't even consistent between the various checks. They have the man who stole my identity and my money on camera at the Chase bank located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX because the assistant branch XXXX called me and confirmed it. A police report was filed with the XXXX Police Department on XXXX. XXXX, XXXX and they are supposed to subpoena the Chase XXXX XXXX office for the camera footage at all of the branch locations. As of XXXX. XXXX, XXXX the XXXX Police Department XXXX XXXX XXXX has still not assigned an XXXX to the case. The total amount stolen out of my account from XXXX XXXX, XXXX to XXXX. XXXX, XXXX was {$29000.00} comprised of XXXX fraudulent checks all in amounts over {$2500.00} cashed at at least XXXX different Chase Bank locations with no questions asked. This is unacceptable.

Company response to consumer: Closed with monetary relief