Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Between XX/XX/year> to XX/XX/year>, there were ( 12 ) unauthorized XXXX XXXX appeared on my chase Checking account at ending XXXX, and debit card ending XXXX. Total amount is {$11000.00}, the all of these unauthorized transactions list is listed in my signed Chase claim letter, Please see attached. 

I have never had XXXX account, and never authorized anyone to use my checking account and debit card. 

I was traveling XXXXXXXX XXXX XXXXXXXX from XX/XX/year> to XX/XX/year> where XXXX XXXX is not available, so it was impossible for me to make or approve these transaction, plus I never had XXXX account. Please see attached my traveling information. 

In my 18 Years of Chase bank account history, no similar transaction have ever occurred. 

I reported the issue to Chase, requested a New Debit card, and file a police report ( police report number is : XXXX, please see attached ), and I also provide my XXXX passport include the page that show the XXXX XXXX XXXX XXXX XXXX, also include my airline ticket ( see attached ) to prove that I was aboard during the transaction time, and indicate to them that it is the identity theft case. Chase refused to reopen my case under Regulation E, claiming the transaction were " legitimate '' based solely on XXXX 's internal confirmation. I also called XXXX to confirm that any XXXX Account is tie with my name, my email, and my cell phone, my checking account ending XXXX? The answer from XXXX XXXX is : " No '', and I also received a letter from XXXX that indicate I don't have the Vemmo account under my name, phone, email, and my Chase account number. ending XXXX, I immediately sent the XXXX letter to Chase via case internal upload portal, and I called Chase to follow up for few times, and they continue refused to treat this case under identity theft / Regulation E, and keep saying that these transaction is authorized. My question is How Chase can so sure that these transaction is authorized by me? And they know it is physically impossible because I was traveling at XXXX & XXXX at the time of these XXXX transactions. But, they just don't want to help me to find out these unusual transactions, and detail for XXXX web payment info, they try to protect fraud instead protect their customer as me. 

I have to submit this complain letter to you to exercise my rights. I also try to file a claim on the FTC.gov sites, which is unavailable due to government shutdown.

I am request that : 1 ) Chase reinvestigate these transactions under identity theft / regulation E and reimburse the fraudulent charges. 
XXXX ) Share any document from XXXX that was used to deny my previous claim. 
3 ) Request Vemmo to investigate these 12 transactions under transact web ID, and release these transaction information 1 ) such as from which IP address? 2 ) these transaction 's made from which web sites? 3 ) What kind payment for these transactions? 

I have attached all supporting document, including my police report and correspondence letter. Thanks from my deep heart!

Company response to consumer: Closed with explanation