Consumer complaint received 2024-09-28 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: TX

Complaint narrative:
After speaking with the Chase XXXX XXXX I was made aware that a specialist has now been assigned to my case. After speaking with her she was indeed friendly and seemed very knowledgeable. She stated that she would review my case and would need additional time. Which I do understand. She also made me aware that she would try to the best of her ability to find a solution for me which I appreciated but although she would attempt to find a solution theres no guarantee that the money can be credited back to my account. Upon review there was a credit to my account in the amount of {$440.00} for some transactions that were involved in the claim. I did appreciate this as well but Im still a bit disappointed and frustrated as the charges in question are a total of {$6200.00}. This does not make sense as all of the transactions were in the claim so for the bank to choose some to reimburse and not all is unfounded. Although Ive affirmed several times the transactions were not authorized by me I am still being held responsible. Im a working class citizen as well as a XXXX XXXX XXXX and I chose Chase because of convenience, perks, and their promise of protection with XXXX liability for transactions not authorized by you the account holder. I This is even advertised on their website which Ive attached. I have not received this service nor is anyone willing to investigate the said charged after speaking with multiple representatives the claim has remained closed without investigation. This is causing me stress as I have a parent who is XXXX veterans and I am their primary care giver. I am considering filing a formal lawsuit through litigation to included the balance of the transactions, the value of any assets lost while having to fight for the claim to be reopened, pain and suffering and having the attorney general inspect all claims that have been filed with Chase and denied without an investigation and even. as the bank is not holding up to their promise of XXXX liability and its a bit of a concern for me and any other consumer who banks with them. Ive done my reason since this claim was denied and I see several other members whos accounts have been drained and Chase still refused to assist them and held them liable for the charges. I would stand for this without any time of investigation because its simply not right. Although some progress has been made XXXX simple not satisfied with the mixed responses that Ive received overall, the experience being a member, and the broken promises stemming from policies that that have implemented, advertised, and even posted on their website. Although it does state it isnt given during every investigation I am still concerned as their claims team didnt feel the need to open an investigation at all. Hopefully there can be a solution within 15 days my last complaint or I will have to move forward with litigation and having all of their claims books and phone calls reviewed if they were closed without investigation. 


Best Regards, XXXX XXXX.

Company response to consumer: Closed with explanation