Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I am writing to formally dispute multiple unauthorized transactions on my account and to address Chases failure to properly investigate my fraud claims or provide me with a new debit card. On XX/XX/XXXX, while my debit card was locked, I noticed several pending charges that later went through. I was homeless for some time, and during that time, my phone broke, leaving me unable to access my email or bank account for an extended period, but I did purchase a replacement to be able to access my account. Upon reviewing my banking history, I found additional unauthorized transactions dating back several months, including fraudulent website charges ranging from {$2.00} to {$49.00}. I previously contacted Chase months ago to request that specific merchants be blocked, yet Chase continued to authorize payments from these businesses. Additionally, I have been continuously charged by XXXX, a subscription I canceled in XXXX. Despite requesting that Chase block further payments, these charges have persisted. XXXX has confirmed that I do have an active account with them, but I'm not able to access or view this account nor can they grant me access, yet they continue to withdraw funds from my bank account. I have called Chase multiple times to report fraud and request a new debit card but have been hung up on twice when asking to speak with a senior manager. On XX/XX/XXXX, when I followed up on my fraud claim, I was informed that my current and any future claims would be denied due to Chases 60-day or 90-day policydespite some charges happening while my card was locked and some as recently as XXXX. Chase has also failed to send me a new debit card for nearly XXXX months, leaving me unable to properly access or manage my funds, and I have not received any documentation regarding the denial of my fraud claims. As a result of these unauthorized transactions and Chases failure to act, my account is now negative due to XXXX charges and Chases maintenance fees, and I have been left without access to my own funds, further impacting my ability to maintain housing and financial stability. I am requesting a full refund of all unauthorized transactions, including those from XXXX and fraudulent websites, a formal investigation into why Chase continued to process transactions from businesses I explicitly requested to be blocked, an immediate replacement debit card to restore my access to my account, and a reversal of overdraft and maintenance fees caused by Chases failure to block fraudulent charges. 
After reviewing my account history, I identified XXXX fraudulent charges from multiple merchants, including scam websites. Despite providing this information to Chase, only XXXX of the XXXX charges were refunded, while the remaining XXXX were denied due to Chases XXXX policy. 
The charges are as follows, with links for the sites as well ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation