Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
a. On XX/XX/XXXX, I moved {$5000.00} from my XXXX Bank Savings A/c ending in XXXX to CHASE Savings A/c ending in XXXX. Transaction ID XXXX XXXX  XXXX XXXX ID : XXXX refers. 

b. On XX/XX/XXXX, I moved the same {$5000.00} to my XXXX XXXX Bank XXXX A/c XXXX. Online Realtime Transfer to XXXX XXXX XXXX transaction # XXXX rrefers. 

XXXX On XX/XX/XXXX a.m., I saw the fraudulent transfer of {$5000.00} going to DISCOVER bank bearing Transaction ID : XXXX BANK XXXX XXXX WEB ID : XXXX. I called Chase Bank immediately and filed a Claim Ref. XXXX. 

d. IMPORTANT The transaction No. XXXX in ( a ) above and the XXXX ID. No. XXXX in ( c ) above are IDENTICAL. These unique transaction IDs are generated by the Banks systems and not created by customers. This transaction ID is the reason why Chase Back XXXX denied my claim many times over stating they are CONFUSED and I had received credit. This is FALSE. I did not receive credit OR perform this transaction OR authorized any XXXX to perform same. It is XXXX. I am the VICTIM ; not the FRAUDSTER. 

e. During numerous calls to Chase Bank XXXX XXXX customer service XXXX XXXX person implied that the XXXX transactions bearing the same XXXX ID XXXX. XXXX were inter-related. but it is obvious those XXXX transactions performed XXXX calendar days apart, are not inter-related at all, although they have the same transaction ID XXXX. This is where the Bank failed. It did not care to investigate how an ACH Debit copy the same Transaction ID from a legitimate fund transfer I did on XX/XX/XXXX. It was fraudulently re-created!! The Bank sought the easy way out and DENIED my claim. 

f. I had uploaded additional information that Chase never asked me for like XXXX XXXX  statements and more ; to assist the Back XXXX investigate my case further ; but to no avail. 

g. To my understanding, Chase Bank could also verify the device used to perform this transaction. My XXXX XXXX XXXX my Lap-top was NOT used for this transaction. Despite my numerous calls to re-open the case and verify further ; my claim was denied with letters stating We found that the transaction ( XXXX ) was processed according to the information you provided or was authorized. This statement is false and inaccurate. 

h. I visited the Chase Branch XXXX XXXX XXXX XXXX, Surprise, Arizona on XXXX occasions seeking help and those Officers spoke to the Chase Back Office Managers explaining my predicament. Nothing was done. The two Officers I spoke to were : XXXX XXXX XXXX De La XXXX and XXXX XXXX XXXX XXXX at Chase Bank XXXX in XXXX  Arizona. 

i. On XX/XX/XXXX I filed a Police Report for FRAUD with relevant transaction proof documents at the XXXX Police Department, Arizona. Copy attached.

As a victim of identity theft and a senior citizen who is living on a pension, this event has devastated me in that, I am unable to perform my usual festive season gift giving ritual towards my loved ones and pay the mounting bills and mortgage. Also as a XXXX patient, due to lack of sleep, stress of losing my life long savings, several doctor visits since this incident, devastation and feeling utterly helpless NOT receiving any assistance from Chase Bank as a customer of XXXX  years, I turn to you to resolve this matter at the earliest to receive my lost funds back in my new XXXX Account.

Company response to consumer: Closed with explanation