Consumer complaint received 2024-06-21 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:
On XX/XX/year>24 I was at work working I have time logs and my schedule/time sheet if needed for proof. While I was working and got a bank fraud alert text asking if it was me for a charge of {$290.00} XXXX I replied no. Got a text back saying a new debit card will be sent to me. I immediately called chase and asked what happened. I was informed that there was XXXX charges, XXXX at target, XXXX at XXXX, XXXX at XXXX XXXX. I informed the lady that was not me and she noted it and cancelled the charges. The XXXX and XXXX  disappeared from my bank account, the XXXX XXXX is the only one that stayed visible but also got returned for {$240.00}. Now around a month later XX/XX/XXXX the claim got taken out and claim redacted. They noted that during theyre investigation they found that I authorized the purchase which I DID NOT. I went to a chase bank branch with 2 forms of ID, spoke to the bank consultant I was there for 1.5 hours she was on hold most of the time and said I would hear something within 3 business days and never heard from them. I went back to that same bank and spoke to the branch manager and he spoke to claim team and escalated the claim to the escalation department so it can be viewed once more. They informed him that the merchant ( XXXX XXXX  ) authorized the sale due to the person having all the proper documentation. They used my beneficiarys information who I live with. She is not listed on the account, and does not have access to my card, does not have mobile banking, I had the card on me that day all day. I opened this bank checking account with me and my name only, only listed her as a beneficiary. Both manager and bank consultant said that couldnt have been possible, how they were able to make a purchase using her information on my account. She doesnt have access to the card/account. I personally asked the beneficiary and ABSOLUTELY did not she did not use it. I have the saved text, saved emails, all for the same date XX/XX/year>24 I have no reason to go to XXXX XXXX  I do not like that place I do not want go to that place. If my beneficiary did indeed make purchases from XXXX XXXX  why doesnt she have any purchase in any of her email accounts? I have told chase this and have explained to them and the people I was sitting at inside the chase branch also agreed that it is weird that Chase let that authorization slide when there. Were other multiple bank fraud charges that same day. I have only owned my new debit card for a month now. How are they authorizing this? They used my beneficiaries name and info to make a purchase and chase authorized it while I am an hour and a half away from XXXX where XXXX XXXX  is located. I have never had a problem with chase, I have no reason to steal. I have all the proof in my phone and email. Its XXXX dollars I am now without due to fraud when the bank is supposed to be on my side. They make financial decisions based on me banking with them I chose chase thinking they were secure and safe. I dont have anything to gain by doing this.

Company response to consumer: Closed with explanation