Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is DIFFERENT issue. It is about retaliation/harassment and failure to prove " but for '' condition as required by Law before imposing unlimited liability tier for subsequent Unauthorized transactions that occurred after the initial reported period, I am filing this Formal Complaint against Chase Bank for Retaliation / harassment and for unlawfully denying liability for a series of unauthorized electronic fund transfers ( EFTs ) and failing to comply with the Electronic Fund Transfer Act ( EFTA ) and Regulation XXXX, specifically concerning my account, ending in XXXX Incident Details : Unauthorized Transactions Occurred : XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. 
Specific Transactions Reported ( and initially denied ) : XX/XX/XXXX for {$100.00} ( Listed on XX/XX/XXXX statement ) XX/XX/XXXX for {$110.00}, XXXX ( Listed on XX/XX/XXXX statement ) XX/XX/XXXX for {$31.00} ( Listed on XX/XX/XXXX statement ) On XX/XX/XXXX I reported some transactions from XX/XX/XXXX and XXXX, XXXX posted on my XX/XX/XXXX statement and transaction from XX/XX/XXXX. This falls within the XXXX window from the XX/XX/XXXX statement date ( for the XXXX transactions ) and the XX/XX/XXXX statement date ( for the XX/XX/XXXX transaction ), as required for initial limited liability under Regulation XXXX. 

Chase has imposed unlimited liability for subsequent unauthorized transfers that occurred after the initial reported period, claiming my failure to report the very first instances ( XXXX XXXX, XXXX XXXX XXXX ) within 60 days of those statements negates liability for ALL later fraud. 
Violation : Chase is wrongly shifting the burden. Regulation XXXX states a consumer is liable for unlimited losses for subsequent transfers ONLY IF the financial institution proves the subsequent fraud would not have happened but for the consumer 's failure to report the first statement containing the initial unauthorized transaction. See also XXXX XXXX JPMorgan Chase Bank, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) While the XXXX requires a consumer to notify ... bank of unauthorized transfers within the prescribed XXXX reporting period, a consumer who fails to do so IS NOT automatically liable for all subsequent losses. A consumer XXXX be held liable for unauthorized transfers occurring after the XXXX period ONLY if the bank establishes that those transfers would not have occurred but for the failure of the consumer to timely report the earlier unauthorized transfer reflected on.... bank statement. 15 U.S.C. 1693g ( a ). 
Chase HAS NOT met this burden. They approved later, similar transactions : XXXX. Claim # XXXX was partially APPROVED for {$620.00}. ( but The remaining amount was denied due to XXXX liability timeframe. ). 
XXXX. Claim # # XXXX and XXXX for XXXX and XXXX totaling {$240.00} was APPROVED. 
XXXX. Claim # XXXX was partially APPROVED for {$100.00}. 
XXXX. Claim # XXXX was APPROVED for {$740.00}. 
suggesting the fraud was ongoing and their systems failed to stop it. 
Under Regulation XXXX, Chase MUST provide a provisional credit and conduct a REASONABLE investigation. They provided credit but reversed it later. They can not hold me liable for subsequent fraudulent transfers ( after the first 60 days from the statement showing the initial fraud ) UNLESS they prove the later transfers would not have happened but for my failure to report the original transactions. 
Lack of Evidence : Chase has not provided evidence that the later transactions were authorized by me, nor have they PROVEN the " BUT FOR " condition required by law. Chase can not deny my claims ( or hold me liable for later losses ) if they CAN NOT prove my reporting delay CAUSED those specific later losses. In order to hold me liable for subsequent Unauthorized transactions Chase MUST present : XXXX token IDs WITH PROOF of my authorization XXXX proof " but for '' such as Logs showing when I should have reported the first transfer versus when I actually did ( or didn't ) XXXX communication records : proof I didn't contact them about the initial error ( e.g., call logs, emails, text messages, etc. ) XXXX proof that the first UNAUTHORIZED debit appeared on a specific statement establishes the XXXX clock start ). Chase 's lack of evidences " BUT FOR '' and their internal investigations are INSAFICIENT. 
Retaliation/Harassment : When I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( supervisors I spoke to : XXXX, XXXX, XXXX, XXXX, XXXX ) XXXX XXXX to resolve the issue Chase threatened to deny ALL my open claims, account closure and in a very rude manner told me to take my business outside of Chase. 
My Request : XXXX. FULL reimbursement for all unreimbursed unauthorized transactions from XX/XX/XXXX through XX/XX/XXXX. 
XXXX. A formal review of Chase 's denial, recognizing that I timely reported the transactions that were on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX statements within the XXXX limit and that Chase FAILED XXXX prove the lack of reporting on much earlier ( pre-statement ) transactions caused all subsequent fraud. 
XXXX. Compliance with XXXX XXXX regarding BURDEN of PROOF for unlimited liability. 
I was not able to attach copies of my statements and communication logs with Chase due to system issues. But I am ready to provide those at your request. 
Please assist in ensuring a fair resolution.

Company response to consumer: Closed with explanation