Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX, IA XXXX RE : Complaint Against JPMorgan Chase Bank, N.A. * * Account : num N.A Issue : Improper Denial of Fraud Claims Dear CFPB, I am filing this complaint against JPMorgan Chase Bank, N.A. regarding their improper handling and denial of multiple fraud claims on my account. 

TIMELINE OF EVENTS : XX/XX/year> : I first contacted Chase Bank to report fraudulent transactions on my account and initiated fraud claims for multiple unauthorized transactions. 

FRAUDULENT AMOUNTS INVOLVED : - Transaction 1 : {$1200.00} - Transaction 2 : {$1600.00} - Additional fraudulent transactions ( amounts to be specified in supplemental documentation ) ACTIONS TAKEN BY ME : 1. Immediately contacted Chase Bank on XX/XX/year>, to report the fraudulent activity 2. Filed formal fraud claims with Chase for all unauthorized transactions 3. Filed a police report regarding the fraudulent activity ( case is ongoing ) 4. Consulted with legal counsel regarding this matter 5. Provided all requested documentation to Chase Bank to support my fraud claims ACTIONS TAKEN BY CHASE BANK : 1. Initially provided temporary credit for the disputed amounts ( {$1200.00} and {$1600.00} ) 2. Conducted an investigation into the fraud claims 3. Subsequently denied the fraud claims without providing adequate explanation 4. Stated the claims are " no longer open '' without proper justification 5. Appears to be in the process of removing the temporary credits and charging back the amounts WHY CHASE 'S DENIAL IS INCORRECT : 1. This matter involves ongoing criminal activity that has been reported to law enforcement 2. A police investigation is currently active regarding these fraudulent transactions 3. I have been advised by my attorney to limit discussion of details while the criminal investigation is pending 4. Chase has not provided sufficient reasoning for their denial of legitimate fraud claims 5. The bank 's investigation appears inadequate given the criminal nature of these transactions * * RESOLUTION SOUGHT : * * I request that the CFPB investigate Chase Bank 's handling of my fraud claims and require them to : 1. Reinstate the full amounts ( {$1200.00} and {$1600.00} ) to my account 2. Make the temporary credits permanent 3. Properly investigate all fraudulent transactions with consideration for the ongoing police investigation 4. Provide written explanation for their investigation methodology and findings 5. Ensure compliance with federal regulations regarding fraud claim investigations This matter involves significant financial harm and appears to demonstrate Chase Bank 's failure to properly investigate legitimate fraud claims, particularly in a case involving ongoing criminal activity. 

I am in preperation to provide additional documentation as needed. 

Thank you for your attention to this matter. I look forward to your investigation and assistance in resolving this issue.

Company response to consumer: Closed with explanation