Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
Back in XXXX I had unauthorized transactions on my checking account and it was a back and forth battle with Chase to get my funds back. Chase sent a replacement debit card to an address in the XXXX and they can claim that it was me? My transactions prove that I was not in the XXXX. I provided my timecard with my employers head human resources phone number. They didnt bother calling. On XX/XX/XXXX I contacted Chase and stated that my chase password was changed and that it wasnt me. I asked if they could freeze my account and the lady I spoke with said yes. I wanted further clarification before I hung up and I asked her so is my account locked or frozen? She responded with Ok, is there anything else I can help you with and hung up the phone. I didnt get an answer. On the morning of XX/XX/XXXX I open up the Chase App and see that {$3400.00} was transferred from my savings to checking over the phone and with that roughly 40+ purchases for that amount was made. These were all foreign purchases with foreign exchange rate fees. For the last 3 months Ive been fighting this and have been told that it was me who made the purchases. Chase sent a replacement debit card TWICE to an address overseas with that address not being on my file. I have the tracking numbers that a Chase branch manager gave me that shows that a replacement debit card was sent to two different address in the XXXX. How can Chase claims say that it was me? In 2 days the replacement card was delivered yet it takes 5-10 business days in the states. This person accessing my bank account was in my account. They were sending XXXX request to people in my contacts including my Father for {>= $1,000,000}. This is the second time that I am now submitting a complaint. I was told the first time that my phone was compromised and that possibly malware or spyware was on my phone. I took my phone into XXXX and they ran a diagnostic check on it and found no malicious software. Ive probably went into a Chase branch 15 times since the first fraudulent activity. I recently went into a Chase branch and spoke with the branch manager XXXX and just like every Chase representative that Ive spoken to has said that it was clearly fraud. XXXX submitted two claims. XXXX for {$490.00}. XXXX for {$1700.00}. I received a letter in the mail that the first claim for the amount of {$490.00} was credited back to my account. For the other claim it was reversed out of my account because again Chase is claiming that it was me. It seems like theyre picking and choosing what is fraud and thats what a Chase banker has told me. The available balance in my account should be {$2200.00}. I want my funds back and if that doesnt happen I have to go through small claims and Im planning on reaching out to local news. Its so wrong that Im the victim and Im treated as the perpetrator. It was easier for the fraudster to take my money than for me to get my funds back. Chase sent a replacement debit card overseas two separate times! Also they did a credit inquiry on XX/XX/XXXX I want that removed too.

Company response to consumer: Closed with explanation