Consumer complaint received 2026-01-02 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: NJ

Complaint narrative:
I. EXECUTIVE SUMMARY I, XXXX XXXX, hereby formally declare that I am the victim of a sophisticated identity theft and hardware compromise event that occurred between XX/XX/XXXX, and XX/XX/XXXX. Unauthorized perpetrators utilized a compromised mobile deviceinfected via a malicious link from truserfmobile.comand stolen physical credentials to bypass security protocols. This resulted in {$11000.00} in fraudulent transfers to the merchant XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
This statement is supported by objective forensic data from XXXX XXXX, XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX, etc.. Furthermore, I have filed official sworn statements with the Federal Trade Commission ( Report # XXXX ) and the FBI Internet Crime Complaint Center to pursue criminal prosecution of the perpetrators. 

1. Communication Interception ( SMS & Email ) The perpetrators utilized a dual-vector attack to suppress all security notifications sent to my devices : SMS/Text Message Interception : XXXX and Stripe sent Multi-Factor Authentication ( MFA ) codes to my mobile number ending in XXXX. These messages were filtered directly to " Spam '' or intercepted via screen mirroring. 
Evidence : XXXX XXXX logs show codes XXXX, XXXX, XXXX, XXXX, XXXX, etc. were sent and immediately entered by the attackers between XX/XX/XXXX and XX/XX/XXXX via either email or sms interception. 
Email XXXX ( XXXX XXXX  ) : On XX/XX/XXXX, XXXX XXXX issued a " Spike in user-reported spam '' alert. 
Evidence : XXXX messages were flooded into my inbox in the 5 day window mentioned to bury legitimate fraud alerts. 
XXXX. XXXX XXXX XXXX  ( XXXX XXXX Logs ) XXXX XXXX document a massive deviation in data usage on XX/XX/XXXX, consistent with the download of a malicious payload or mirroring software. 
Normal Usage ( XX/XX/XXXX ) : XXXX GB Breach Usage ( XX/XX/XXXX ) : XXXX GB Conclusion : This 1000 % spike confirms the active data exfiltration/mirroring payload coinciding with the accidental click on the truserfmobile.com link. 
XXXX. Device Activity Anomaly ( XXXX XXXX Logs ) System logs confirm the device was " Active '' for extreme durations during the fraud window, indicating a XXXX XXXX XXXX  ( XXXX  ) or script was controlling the screen XXXX. 
XX/XX/XXXX ( XXXX XXXX ) : 112 % Battery Usage / XXXX hours XXXX minutes active screen time. 
XX/XX/XXXX : 94 % Battery Usage / XXXX hours and XXXX minutes of active screen time XX/XX/XXXX ( XXXX Day ) : 139 % Battery Usage / XXXX hours and XXXX minutes of active screen time XX/XX/XXXX ( Peak Fraud Day ) : 149 % Battery Usage / 12 hours and 43 minutes of active screen time. 
XX/XX/XXXX : 128 % Battery Usage / XXXX hours XXXX minutes active screen time. 
XX/XX/XXXX : 99 % XXXX XXXX XXXX hours and XXXX minutes of active screen time XX/XX/XXXX : 72 % XXXX XXXX XXXX hrs and XXXX minutes of active screen time XXXX. Carrier Validation of Security Breach ( XXXX XXXX ) Official Finding : On XX/XX/XXXX, XXXX XXXX formally investigated the device 's behavior and declared the hardware " compromised by a security breach. '' Remediation : XXXX immediately issued Replacement Order # XXXX, citing " Reason XXXX : User content lost or no access '' and noting the device needed replacement " due to safety reasons. ". 
Possession vs. Control : While the compromised device remains temporarily in my possession pending the arrival of the replacement unit, XXXX expert analysis confirms that the device was subject to external control/mirroring. The fact that I physically hold the device does not imply I authorized the transactions ; rather, I am preserving the compromised hardware as forensic evidence. 

I vigorously assert that I have zero prior history of sports betting, online gambling, or high-risk trading on any of my financial accounts. A comprehensive review of my banking history with Chase, XXXX XXXX and XXXX XXXX confirms that since the inception of these accounts, there has never been a single transaction to merchants such as XXXX, XXXX, XXXX, or similar entities. The sudden, high-volume activity with XXXX XXXX XXXX XXXX of bets placed in days ) is completely anomalous and inconsistent with my established financial behavior which can be verified with financial statements from all affected banks. 
VI. FINAL ATTESTATION I, XXXX XXXX, declare under penalty of perjury that the foregoing is true and correct. I did not authorize transactions listed in that affidavit. The fraud was facilitated by a hardware compromise ( XXXX XXXX ), the interception of SMS verification codes, email XXXX, and the exploitation of my pre-existing biometric authentication with XXXX I hold {$0.00} in illicit credits and authorize XXXX XXXX to reclaim all funds remaining in the fraudulent account.

Company response to consumer: Closed with explanation