Consumer complaint received 2026-01-21 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: CA

Complaint narrative:
On XX/XX/XXXX, I filed a fraud claim with Chase for unauthorized XXXX XXXX transactions on my debit card ending in XXXX. I reported that my phone had been lost approximately a month prior, my debit card was not in my possession, I do not recall ever doing business with this merchant, and I never provided my card information to this merchant. 

====================================== CHASES VIOLATIONS XXXX. FALSIFIED MY STATEMENT - Chase denied my claim saying I reported my phone was in my possession - On XX/XX/XXXX, Supervisor XXXX CONFIRMED the original notes show I reported my phone was LOST - Chase knowingly lied about what I said to justify denying my claim XXXX. FAILED TO INVESTIGATE PROPERLY - Chase verified Chase app logins instead of XXXX XXXX transaction data - When I asked XXXX XXXX Did you verify through XXXX XXXX? she said No, Chase XXXX Chase admitted they dont have the information to verify which device was used - A lost phone used for fraud is EVIDENCE of fraud, not authorization 1. DENIED WITHOUT REQUIRED NOTICE - Claim denied XX/XX/XXXX no notice - Claim denied XX/XX/XXXX told it would be mailed despite paperless preference - Claim denied XX/XX/XXXX on XX/XX/XXXX, XXXX told me it was STILL BEING INVESTIGATED- I have never received proper written notice of any denial 1. REFUSED PROVISIONAL CREDIT - XXXX business day was XX/XX/XXXX - Claim was reopened on XX/XX/XXXX ( still under investigation ) - Claims ManageXXXX XXXX refused provisional credit claiming XX/XX/XXXX counts as a business day ( false federal holiday ) and that they resolved within 10 days ( false claim was open ) 1. RETALIATED AFTER I FILED COMPLAINTS - XX/XX/XXXX ( late night ) : I filed OCC and CFPB complaints on a separate Chase matter - XX/XX/XXXX ( XXXXXXXX XXXX ) : Chase removed my XXXX access - XX/XX/XXXX ( XXXXXXXX XXXX ) : Chase restricted my accounts- Less than 12 hours after filing complaints, I was locked out XXXX. DENIED EVERY TIME I ASSERTED MY RIGHTS- XX/XX/XXXX : Asked about provisional credit Claim closed hours later - XX/XX/XXXX : Sent demand letter Denied XX/XX/XXXX - XX/XX/XXXX : XXXX reopened claim Denied XX/XX/XXXX ( less than 24 hours ) - XX/XX/XXXX : Demanded provisional credit Denied same day at XXXXXXXX XXXX XXXX. GAVE CONTRADICTING INFORMATION - XXXX said : XXXX verified no new devices added - Manager XXXX said : A new device was added on XXXX - Both can not be true 1. REPRESENTATIVES HUNG UP ON ME - XXXX ( XX/XX/XXXX ) : Avoided questions, hung up when pressed - XXXX ( XX/XX/XXXX ) : Hung up after I read him the actual Regulation E language ======================================= TIMELINE XX/XX/XXXX - Filed claim ; reported phone lost XXXX month prior XX/XX/XXXX - Denied ( no notice ) XX/XX/XXXX - Asked about provisional credit ; claim closed hours later XX/XX/XXXX - Sent demand letter ; filed OCC/CFPB complaints that night XX/XX/XXXX - XXXXXXXX XXXX XXXX removed ; XXXXXXXX XXXX accounts restricted ; claim denied XX/XX/XXXX - Called at XXXXXXXX XXXX XXXX told claim STILL INVESTIGATING ( contradicts XXXX denial ) XX/XX/XXXX - XXXX reopened claim after finding new device added XXXX XX/XX/XXXXXXXX XXXX XXXX  refused provisional credit ; claim denied AGAIN at XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX confirmed original notes show I reported phone LOST =======================================

Company response to consumer: Closed with explanation