Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have 2 debit cards on my XXXX account. I typically use XXXX in person and the other digitally. However, I do not keep the physical copy digital card I use on my person. I did not worry about it being used because I haven't had an issue with the card, or anything being charged to it that wasn't ran by me first. I soon found out this was the case and that I would have to deal with some incidents that were out of my control. 

On XX/XX/XXXX, I was charged upwards of {$XXXX} from ATM transactions and XXXX XXXX XXXX Almost a day later, another {$XXXX} was gone from my account. Finally, on XX/XX/XXXX, I was charged {$XXXX} and some other smaller purchases. However, I thought it was merely an error when the money was gone from my account and figured that they would be return my money back, considering they didn't send me any text. To maintain some sort of security, I cut the card up and discarded it in the trash not too long after the fact. The next week or XXXX after, I would make various deposits from work I did with friends and would send money out to the same people who were helping me with music that I make since I am an aspiring XXXX. I would either transfer the money to a XXXX ( mainly XXXX XXXX and XXXX XXXX ) or would XXXX the XXXX that had working XXXX accounts XXXX In the end, on XX/XX/XXXX, I made a wire transfer to my friend for features on a song for the first time and it led to my account being closed. I did not understand why and decided to call Chase but was not given clarification. 

After this all happened, I was not given a reason as to why the account had been closed but was prompted that I would receive the balance I had in the account back in a check. But, when I went to XXXX XXXX, an app that tracks my purchase, I seen that the money that was previously lost was not given back, and I decided to start filing disputes in order to retain this money. I called XXXX  and made a claim after going into a physical location near my house on XX/XX/XXXX. A lady named XXXX XXXX said that filing a claim will more than likely settle everything and I would be able to come into their location and pick up the funds since the account was closed out. I did exactly as she said, gave them information about the incident, and they said I would be notified through email about what the outcome would be. After a couple of days, I called back in today to check the status of the claims. Note, when I called, they asked me if I had been in possession of the card when this transaction was made, and I said, " No, I had gotten rid of it once the charges had posted. '' Also, I had mentioned to the people that would help me file claims that I did not receive any fraud alerts or such and that the system was having errors of notifying me that purchases were taking place. It would permit me from spending certain amounts, so I was confused on why it would allow it at that time. 

The status of the claims came back as denied for all of them. The reasons were : 1. It was a " chip-based transaction '' meaning that it was " automatically verified by the card owner. '' 2. The place that it was at was within the proximity of my house, so it was automatically flagged as a declined claim. 
But what didn't make sense to me was that the claims that were less than XXXX $ were still pending and being investigated, even though they were on the same card that was denied refunds from the other claims. 

It seems to me that XXXX does not want to issue my money, or they simply think I do not think I have proof to prove my point, even though I mentioned that I do and can do so. When I talked to the escalation department, they repeated the same thing was told by the regulars even though I had made it known that I was not given any fraud alert or anything along the lines of that. This makes me think that XXXX is not a good bank to work with as I have looked online and seen that many other people have had the same issue as me and are looking for resolutions and reparations to be made. I feel scammed and am looking to doing business with another bank. 

The files attached are all of the charges with dates, the proof that I have received no fraud texts from the time frame that the purchases were made, and a transaction that was made to a XXXX XXXX  of someone who I do not know. I suspect this person XXXX be the one who is taking money because I do not know a XXXX and have never done business with anyone of that name.

Company response to consumer: Closed with explanation