Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've been having fraudulent activity going on, on my account for a long time now, almost a year now.. I'm not one to check on my account often, never have been until now.. I've banked with chase for a very long time now and have never had an issue before with anything like this in 10+years .. that being said, about 4 or 5 months ago is when I noticed money was being taken from my account, about XXXX XXXX XXXX$6000.00} at that point so it's hard to give specific dates because there's too many.. I immediately canceled my card, made mention that fraud activity has been going on but didn't follow up because a lot of it was out of the 60 day range and I hadn't been looking at my account so I assumed I would be held responsible for neglegence for not consistently keeping up with my account so I ate that one and didn't file a formal complaint .. once I received my new card along with a new pin I again assumed I'm the only one with access to my account and I put the card away at home for safety as I don't use this account to withdrawal money for any reason.. I have a tenant that pays me {$1200.00} cash monthly and I use that as my spending money for the month, the only reason I use this account was to receive my work checks and pay my mortgage, that's it as I like to save which my actual banking history will show before all of these fraudulent charges started happening.. I know I can't recoup anything close to what was actually taken but everything in the past 60 days is very important as I was laid off from my job and this was all the money I had to pay bills and survive with until I find employment again.. I filed a claim which was denied because they believe that I approved these transactions due to the fact that my chip was detected at the ATM the withdrawal happened at but that's impossible in every way as I have the card still put away and not once have ever been to the bank for any of these transactions which I'm positively certain the cameras will show .. still, I was told I'd likely not get my money back due to that fact because from what I was told chip technology can't be duplicated but I know it can because it's clearly happening to me in real time and not to mention a quick XXXX XXXX pulls up multiple articles stating that it is possible, it's called shimming.. I've filed a police report, I'm having them request XXXX footage to show that it wasn't me, I have copies of the checks showing 3 different signatures on each check totaling over {$3000.00} that all bounced which no possible potential fraud activity popped up on the banks end, they just let a {$500.00} check bounce, followed by at {$2200.00} check that bounced and they still accepted another {$500.00} check that looks exactly like the first one that bounced and pushed that right through for it to bounce and I was not contacted one time by them for potential fraud. I filed my police report, got half of the only evidence that I can possibly get to show with the signatures on the checks now and having law enforcement request the XXXX to show this wasn't me or approved by me.. I don't know how whoever is doing this to me is able to do it but I promise you I have nothing to do with to do with any withdrawal transactions dating back for sure since XXXX.. I went in to the branch earlier today and they believe that I didn't make these transactions and was told they believe I may be a victim of identity theft, but the claims department doesn't seem to be budging on their stance that it was me.. I have an appointment Monday to hopefully figure this out.. I wouldn't take it this far if there was a chance I'd just get caught lying.. I've never tried to scam or cheat or finesse anyone or any company a day in my life even when I could have milked some injury situations at work, it's just not me, I've torn ucl at work on my left arm that bothers me til this day and never even tried to receive workers comp, the injury is documented on file because it happened in front of a supervisor but I never made a formal complaint or request for anything, I took a few days off until I was able to get some motion back in it and I went back to work and it's still not to full strength to this day and probably never will be, I have no reason to lie or cheat anyone out of anything or look for the easy way out .. if there is anything more that I can do on my end that maybe I'm not thinking about or any other steps I can take, please let me know, thanks

Company response to consumer: Closed with explanation