Consumer complaint received 2024-01-01 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: FL

Complaint narrative:
In late XXXX of 2023 I was contacted by a person that was incarcerated and he asked if I would help him with accessing the funds that were in his checking account at Chase Bank so that he could get personal items, food, and a tablet that were offered to the inmates. I agreed to help him and he released his phone to me so I could get his bank account information and he also had a Power of Attorney drawn up authorizing me to handle his financial and personal business. I found that the quickest way to access his funds was through XXXX transfers because I also had an account at Chase and he told me that was fine because he wanted his items as quickly as possible. I continued to act on his behalf until he was released in XXXX. All transactions that transpired were per his request. When he was released from jail he began telling me that I 'had to meet him somewhere to go over the bank transactions ' and I told him that I couldn't meet him so he told me that if I did not then he was going to go to the bank and tell them that he believed that some of the transactions were fraudulent. On XX/XX/XXXX he filed XXXX online disputes for amounts totalling {$1800.00} and the bank took that amount out of my checking account, leaving me with a negative amount of {$1800.00}. I discovered the transactions on XX/XX/XXXX when I checked my account balance. I went to the bank that afternoon and a call was made to the fraud department and they said I would have to wait 7-10 days to find out more because they would do an investigation and for me to call them back after that time. I explained to the bank representative that I had a POA and all transactions were done on his behalf. She told me to call the fraud department on Saturday XX/XX/XXXX, which I did, but I was told to call back after 10 days. I called fraud department again on XX/XX/XXXX and was told that a decision had already been made in favor of XXXX XXXX. I asked why I hadn't been contacted during their supposed investigation and all I was told was 'because it was XXXX and the decision has been made '. On XX/XX/XXXX I called fraud department again and requested a letter explaining their decision and the reasoning for it but I was told they don't do that. 
The only communication I received from Chase Bank regarding this matter was the seven letters informing me that the disputes had been filed against my account. The only other communication was when I called the fraud department. I do not believe that a thorough investigation, if any at all, was done in this case. A decision was made without anyone contacting me. I don't feel that this matter was handled according to law. The other complaint I have is that Chase Bank 's XXXX regulations has a clause that says if a person allows another individual to use their XXXX account then the account holder is responsible for any transactions that are made, so by allowing XXXX XXXX to take that money out of my account should not have happened. I also believe that it's a possibility that XXXX XXXX may have intended to file the disputes to get the money because he had spent more than he thought. I have also filed a fraud report with the local XXXX XXXX Sheriff 's Department.

Company response to consumer: Closed with explanation