Consumer complaint received 2024-01-19 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: NY

Complaint narrative:
On XX/XX/XXXX my mobile phone was stolen and an assailant was able to fraudulently gain access to my JP Morgan digital checking accounts and digital wallet and committed multiple sequences of checking, wire, XXXX XXXX, and merchant fraud via unauthorized over the course of XXXX business days that JP Morgan Chase did not flag as fraud over XXXX below charges totally over XXXX XXXXXXXX from my checking accounts. 

I reported these charges and file reports that my phone was stolen the next day, and JP Morgan Chase reissued another Debit checking card that was again fraudulently used digitally by an assailant for a full business day without my knowledge because my phone was stolen and did not have access to my account. 

I have also filled a XXXX XXXX XXXXXXXX Police Report ( Report No. XXXX ) that has been formally submitted to Chase via fax by a Chase member and mailed physically to Chase, but my fraud claim has been denied and will not be receiving a credit back on XXXX XXXXXXXX charges and still waiting to hear a decision on a fraudulent {$20000.00} wire transition. 

The below are the unauthorized charges that JP Morgan Chase has not credited back and have noted were authorized XX/XX/XXXX - Below unauthorized transitions began XX/XX/XXXX - Unauthorized transitions were reported XX/XX/XXXX - 1 of 4 Chase fraud claims was denied XX/XX/XXXX - 2 of 4 Chase fraud claims was denied {$20000.00} Wire Fraud Claim Still Pending Details Posting Date Description Amount Type Transition Date Transaction Time DEBIT XX/XX/XXXXXXXX XXXX XXXX SENT XXXX XXXX XXXX  XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX  XXXX XXXX  XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX  XXXX XXXX  XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXX XXXX BALANCE XXXX  XXXX XXXX  XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX  XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX  XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXX XXXX  BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX  BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX  XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXX XXXX BALANCE XXXX  XXXXXXXX XXXX XXXX  XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXX XXXXXXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXX XXXX BALANCE XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX XX/XX/XXXX XXXX PM EST DEBIT XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ID : XXXX XXXXXXXX XXXXDEBIT XX/XX/XXXX XXXX AM EST CREDIT XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX AM EST CREDIT XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX CREDIT - XXXX XX/XX/XXXX XXXX AM EST CREDIT XX/XX/XXXX XXXX XXXX XXXX CREDIT - XXXX XX/XX/XXXX XXXX AM EST DEBIT XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DEBIT_CARD - XXXX XX/XX/XXXX XXXX AM EST DEBIT XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEBIT_CARD - XXXX XX/XX/XXXX XXXX AM EST DEBIT XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX XX/XX/XXXX XXXX AM EST DEBIT XX/XX/XXXX XXXX 'S XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX XX/XX/XXXX XXXX AM EST DEBIT XX/XX/XXXX ONLINE DOMESTIC WIRE FEE XXXX FEE_TRANSACTION DEBIT XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX WIRE_OUTGOING XX/XX/XXXX XXXX EST DEBIT XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX XX/XX/XXXX XXXX XXXX DEBIT XX/XX/XXXX XXXX payment to XXXX XXXX XXXX XXXXDEBIT  XX/XX/XXXX XXXX EST DEBIT XX/XX/XXXX XXXX payment XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX EST

Company response to consumer: Closed with explanation