Consumer complaint received 2024-08-18 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: CA

Complaint narrative:
The issue is there were fraudulent charges on my Chase Bank checking account - 6 separate charges of {$200.00}, 4 of which were in California and XXXX in Indiana. 

On XXXX, XX/XX/XXXX, I received an email that XXXX charges of {$200.00} ( {$800.00} ) were made to my Chase checking account from a city in California at XXXX. I only had about {$550.00} in my checking and savings combined, so this overdrafted my account. I called to file a fraud claim, and the Chase fraud department told me that my account was locked and they would send me a new debit card. On XXXX, XX/XX/XXXX, there was another charge on my card for {$200.00} from a city in Indiana at another XXXX frustrated, I called the claims department again and filed a claim on this charge and found out there were no claims made the previous XXXX for the first XXXX charges made to my account. At this time, 5 claims were created for each of the 5 fraudulent charges, my checking account was supposedly closed, and a new debit card was going to be sent to me. 

On XX/XX/XXXX, I received a {$200.00} reversal for one California charge while they investigated the claim, and on XX/XX/XXXX, I received a {$400.00} reversal for one California and one Indiana charge while they investigated. However, no information was given to me about the remaining two claims, {$400.00} in XXXX charges in California, and I have still received no information on these to this day ( XX/XX/year> ). 

On XX/XX/XXXX, there was a XXXX  {$200.00} charge at XXXX in an Indiana XXXX, and at this point, I went into my local Chase bank to speak with a banker and see what we could figure out. He was very helpful and contacted the fraud department as well, they confirmed that the XXXX charges I got no information on ( {$400.00} from CA ) had claims filed for them, but I have still received no notices regarding those. We discovered that the charges were completed through a digital wallet online. When I called the Chase fraud department the next day to get more information, they told me the fraud charges were done through my XXXX and that they had " proof '' that it showed my " XXXX XXXX XXXX ''. As a result, they could not consider these charges fraud, and the {$600.00} I got back would be taken away from me once again. I called XXXX, and they said there was no way the bank could have information that could confirm the charges went through on my phone specifically. 

On XX/XX/XXXX, I received a reversal of funds from the latest {$200.00} Indiana charge. As of XX/XX/XXXX, I got a notice from Chase stating " The credit ( XXXX ) we provided for the transaction ( XXXX ) on your account. We completed our research on the transaction ( XXXX ) you reported... The temporary credit we provided is now permanent ... '' This was referencing only this most recent {$200.00} charge. This charge was completed in the same way as the previous XXXX charges, which was confirmed on the call I had with the Chase fraud department. 

There is no reason why this charge would be processed successfully and the others would not if they were all completed in the same way. I have been dealing with this for nearly a month, at minimum XXXX phone calls and XXXX XXXX XXXX  visits, with very little clarity or help. 

I had {$1200.00} in fraudulent transactions processed on my Chase checking account. Before this occurred, I had a total of around {$550.00} in my checking and savings ( all of the money was taken from my savings when my checking overdrew ). One {$200.00} transaction was permanently restored to my account, but I am still {$1000.00} in debt. My checking is currently - {$600.00} overdrafted. I am a XXXX XXXX  XXXX  who scrapes by day to day anyway, and this situation that I thought would be resolved relatively quickly has dragged out much too long. I have bills to pay and overdue rent as a result of this, and it is EXTREMELY frustrating that I have received no help.

Company response to consumer: Closed with explanation