Consumer complaint received 2025-04-12 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: IL

Complaint narrative:
Claim reversal at Chase for fraud. All of this happend in the year XXXX. 

This was gross negligence by the fraud/claim department after reviewing the information that was sent by the merchant and ignoring my police report I made on the day I went into my bank to close my debit card. I reported this promptly and with my police report, the ddos attack, and the incorrect name that was used with my debit card number. Plus the location 's shipping address being changed twice and showing a place I have never been to, I expect Chase to honor Chase 's Zero Liability Protection that I am not liable for unauthorized charges since I reported them promptly. 

On the night of XX/XX/XXXX I received a ddos ( distributed denial of service ) attack on my email account. Which is also known as an email XXXX. The goal is to subscribe the victim to multiple different organizations to hide a purchase that was made unknown to the person. After going through and reporting spam and removing the clutter in my mail box I found a purchase I did not make or gave any consent to. 

The morning of XX/XX/XXXX I entered my local Chase bank about the fraud. After a phone call and closing my debit card with the help from the local chase bank V.P. Though I then went to the police department after the chase to file a police report and give the police office the information. To which I showed the officer of the theft and how the person didnt even have my first name right when making the purchase. He told me how they use the spam of subscriptions to random newsletters to try and make the purchase to go over the head of the victim.

_I gave both the police and fraud department the address the theif used from the pictures I took of the email I got of the fraud. 

While a second purchase was tied up with my debit card, this one was obviously halted because I closed out my card already on the XXXX and it was removed from my bank account. 

On the XXXX I received credit for my missing money. 

On the night of the XXXX of XXXX I saw that the fraud was reversed. 

The next morning on the XXXX I went into my local bank the same as last time and my banker right away got me a hold of the fraud claim department. To which I was told that the merchant said that the first purchase was a valid purchase while the second one was obviously not valid due to it happening after my card was closed. ( The fraud claim person for customer support ) gave me a Fax number that the banks XXXX. faxed the police report that was created on the XXXX of XXXX to the fraud department. And that I would in mail get the evidence within XXXX business days. 

XXXX business days later on the XXXX of XXXX I finally received the evidence and it is horrible since the name used for the purchase was not even my name it was another, my name was not on Attachment A The billing information was already wrong with a different name. Then the next part was found to be even worse : the shipping address Also is a major problem due to it never being in my previous history or ever being at this location. Then attachment C I would like them to permanently remove me from their subscription because I have them in spam and unsubscribed after the XXXX but XXXX weeks ago the merchant keeps resubscribing me, which was filling up my spam fold and I have my checked my XXXX says I am unsubscribed and they are still harassing me with email about you should buy this or that. Thankfully Spam exists. Attachment C irreverent to the situation due to them still having my information and sending my email against my wishes. Then Attachment B, Has the wrong name on my debit card. Then the address on Attachment B was changed from Attachment C to say it was shipped to my billing address, which on the bottom of attachment B changes back to the shipping address in XXXX XXXX. The fact that the shipping address keeps on changing throughout this " evidence '' shows no one looked at this at all. 

While Attachment D is just a form that I never consented to because I have never done business with this merchant in my life. 

While today I just resent the police report, a docmented acount similar to what is above, and a copy of the " eveidence '' chase got from the merchant. Then I went on a phone call today to ask why my case is closed and the poor person on the customers services has no idea because they aren't the one that is an investigator at chase for fraud who was too lazy to even look at what the merchant sent. Since quite obvious the names do not match.

Company response to consumer: Closed with monetary relief