Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
I am writing to dispute fraudulent charges on my account totaling {$5000.00}. I am a victim of identity theft, and I did not make any purchases from XXXX or XXXX XXXX XXXX I have been threatened by XXXX XXXX XXXX and XXXX appears to be nonexistent, raising a red flag. I request that you remove the fraudulent charges along with any related finance and other charges from my account, provide me with an updated and accurate statement, and close the account if applicable. I have left Chase Bank and will not return. I will also not make any credit card payments until my money is returned. Additionally, I request that you cease reporting the incorrect information to all nationwide credit reporting agencies. I have hired XXXX as my limited power of attorney, and a police report is being conducted regarding this matter. I have gathered all necessary data and conducted my own research. 


I reported this situation to the FCC and the FTC to inform them that Chase Bank has not been helpful. The notice specifies your responsibilities upon receiving notice from a CRA under section 605B of the Fair Credit Reporting Act, indicating that the information you provided may result from identity theft. These responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not sell or transfer the fraudulent debts for collection. 



Since XX/XX/year>, I have submitted documentation showing all accounts and attempts to open accounts in my name. I have sent emails regarding someone named XXXX XXXX using my accounts from XXXX. This bank has numerous issues and does not refund clients, as reflected in various reviews. It is unfair to withhold my hard-earned money when there is substantial proof that my identity was stolen. Many of your agents have acknowledged incidents involving XXXX and XXXX XXXX indicating that hackers are using your system to make it appear that I am making these purchases. These merchants are based in XXXX, and one does not even exist. I was also threatened by the XXXX XXXX XXXX merchant. Furthermore, this bank has not refunded me for charges related to XXXX, which has now prompted them to demand repayment from mesomething I will not comply with as you did not return the money despite informing XXXX that you did. Additionally, my XXXX account was shut down because of this issue. You have refunded a portion of my money, stating it was in my favor, yet you are refusing to return funds from the same merchant for whom I did not make any charges. 

Stop the investigation because it's not true that you are doing any of this. I continue to resubmit documentation, and within an hour, I receive a letter denying me. You are not checking into anything. You have also never shown me any of your findings. It's amusing because I could fabricate paperwork too. Go ahead and send me a photo of the account. I responded, noting that you are presenting an account made in my name. The reply was that you would not speak to me anymore, only to the bank. This shift occurred after I sent you photos of the identity theft on my end and proof of your dishonesty ; then, you stopped responding. The other merchant, XXXX, does not exist ; there is no contact, and the only email I found bounces back as undeliverable. I would appreciate someone addressing this matter and providing a written explanation of your findings and actions, as it is unacceptable to deny me within 10 minutes of submitting more proof. You are sidelining my case, and the only calls I receive are about paying the negative balance, which is caused by your actions!

Company response to consumer: Closed with explanation