Consumer complaint received 2026-05-15 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: NJ

Complaint narrative:
I am filing a formal complaint regarding unauthorized debit card transactions on my JPMorgan Chase account. These unauthorized transactions persisted continuously from XX/XX/XXXX through XX/XX/XXXX. In approximately XX/XX/XXXX, my original debit card was stolen. I reported the card as lost to Chase, and a replacement card was issued. Despite this, unauthorized XXXX transactions began appearing on XX/XX/XXXX, using the replacement card. These transactions continued through XX/XX/XXXX and were processed in XXXX pesos ( XXXX ). I have never been to XXXX during this period and did not authorize these charges. I reviewed my XXXX account and confirmed there are no corresponding trips or activity. All of my legitimate XXXX usage is within the United States, charged in USD, and linked to a different payment method. I do not use my debit card for XXXX transactions. The fraudulent charges consist of repeated XXXX transactions in XXXX, along with foreign exchange conversion fees, forming a consistent pattern across months. CRITICAL ISSUE NOT REASONABLY IDENTIFIABLE EARLIER : When the fraud began in XX/XX/XXXX, the transactions appeared as small XXXX charges intermixed with normal activity. Because XXXX is a merchant I legitimately use, these charges did not immediately appear suspicious. Additionally, the foreign nature of the transactions was not clearly obvious, as the XXXX currency and exchange rates were embedded within transaction details. The activity consisted of multiple low-value transactions rather than a single large suspicious charge. Only over time did a recognizable pattern emerge, including repeated foreign transactions, increasing frequency, and the absence of these transactions in my XXXX account. This was therefore a gradual and continuous fraud pattern that could not reasonably be identified at the beginning. BANK ACCOUNTABILITY AND FAILURE TO DETECT PATTERN : Chase was already aware of a prior card compromise when my original card was reported stolen and replaced. Despite this, the replacement card began showing repeated foreign XXXX transactions shortly afterward. These transactions followed a clear, repetitive pattern with consistent merchant, currency, and structure. The activity continued for an extended period without being flagged, blocked, or escalated by the bank. Financial institutions promote their fraud detection systems, yet this extended pattern of foreign activity went undetected and unflagged. CRITICAL ISSUE CONTINUOUS FRAUD SCHEME ( NOT ISOLATED TRANSACTIONS ) : The unauthorized transactions in this case must be evaluated as one continuous fraud scheme, rather than separate or isolated incidents. All transactions share the same characteristics : the same merchant ( XXXX ), the same foreign currency ( XXXX ), identical structure, absence from my XXXX account, and inconsistency with my normal behavior. This pattern persisted continuously from XX/XX/XXXX through XX/XX/XXXX, without interruption. There are no meaningful differences between earlier and later transactions. The only difference being applied by the bank is timing, not substance. These transactions represent a single, ongoing unauthorized fraud scheme affecting the same account and payment method. Treating these as separate events ignores the clear continuity and results in inconsistent outcomes. Financial institutions are expected to identify repeated patterns and treat related activity consistently. However, Chase has reimbursed some transactions while denying others that are identical in every material way. Given the consistent and uninterrupted nature of these transactions, they must be treated as part of a single continuous fraud scheme and not as independent transactions. INCONSISTENT TREATMENT OF IDENTICAL TRANSACTIONS : Chase has already acknowledged that some of these transactions are unauthorized by issuing partial reimbursement. However, earlier transactions with identical patterns were denied. These transactions should be treated consistently as part of the same fraud case. The evidence demonstrates a continuous pattern of unauthorized foreign transactions that were not reasonably identifiable at the outset and must be treated as a single fraud scheme. PS : I have attached my bank statements where all the fraudulent transaction is marked, XXXX XXXX option page showing credit cards ( not the compromised debit card ) linked to my XXXX account, a spending summary and the PDF of the formal complaint and the fair resolution requested. Thanks.

Company response to consumer: Closed with explanation