Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
After noticing unknown transactions on my checking account on different dates ( XXXX ) for different amounts of {$23.00}, {$93.00}, and {$300.00}. And, on ( XXXX ) for the amount of {$23.00}. I immediately contacted my bank ( Chase Bank ) to report the fraudulent activities. 

I also decided to stop by the Chase Bank XXXX at XXXX XXXX  XXXX XXXX XXXX # XXXX, Independence, MO XXXX on XXXX to communicate my situation in person. 
Supposedly, the customer service lady at this branch reported the fraudulent activity and issued me a new debit card which I had to wait XXXX to receive. 

After waiting a week without receiving my debit card in the mail I decided to call the Chase Bank customer service over the phone. To my surprise, and based on what they told me, it seemed that the lady at the bank didn't make the report nor let the fraud department know about the unknown transactions. 
So, the lady over the phone helped me with filling out the report and issuing a new card so I had to wait longer for the card to arrive. 

Before receiving my new debit card in the mail, on XXXX I noticed a new unknown transaction for {$23.00}. I went back to the same bank branch to let them know about it with great frustration. The transaction showed that somebody withdrew the {$23.00} from my checking at an ATM, using a debit card PIN ( Even when my previous debit card was canceled and closed and I hadn't received my new one in the mail yet ). Neither the customer service lady nor the supervisor in turn could explain to me how this happened. 

At this point, it was clear to me that I was being a victim of identity theft. 

Eventually, I was issued a temporary credit for the 4 different amounts reported while the bank proceeded with an investigation which took almost two months. 
A few days later I noticed that the credit I was issued was taken back by the bank. When I contacted them, the bank told me that I needed to file a police report to get my money back. 

On XX/XX/2023 I filled out a police report and brought it to the same Chase branch location, where they put it on my fraud claim file. 

After waiting for some weeks and not getting a response to my claim, I called the fraud department again. After being connected with the Chase bank fraud department representative, I was told that even after filling a police report I wasn't going to get a credit nor my money back for the fraudulent transactions due to I had to wait for the Police, quote... '' to catch the people who committed fraud on my checking account ''. And also that my case was closed. 

This is a clear situation of discrimination and violation of my civil rights. Due to me not being able to communicate in English, and being my son the one who has helped me throughout this process, and based on the experience I have had with my fraud and identity theft claim I feel I was treated indiscriminately, and also targeted for going against the Chase bank interest by reporting unknown and suspicious activity. 

To this date, XXXX, my fraud claim is closed and the bank refuses to refund me for the fraudulent charges made to my account, causing stress and emotional damage to my person. 

Below, I will attach the bank statements with the dates when the fraudulent transactions were made, ( highlighted in yellow ). and, also the police report filled.

Company response to consumer: Closed with explanation