Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern : On XXXX my Chase and XXXX XXXX  accounts were hacked. On said date I saw that there were unauthorized XXXX transactions from both of my accounts to individuals I have never met nor XXXX  money to. The first transaction was from my XXXX XXXX  for {$2000.00}. The second involved a series of XXXX transfers totaling {$4400.00} from my Chase bank account. 
I immediately contacted the XXXX and Chase Fraud Departments and filed a claim. 
On XX/XX/XXXX XXXX was very professional and investigated the matter thoroughly. They indicated to me that they had conducted an investigation into my claim and found it to be valid. They permanently credited my account the {$2000.00} that was stolen. 
Chase from my initial contact with them minimized and trivialized my lawful complaint and request for relief. I contacted Chase by phone over the next several months to determine the status of the investigation but received no resolution. After waiting for over a year for them to conclude their investigation I contacted them via fax and XXXX mail on XX/XX/XXXX requesting that the stolen monies be returned to my account. I have provided Chase with evidence that the funds were stolen, the XXXX investigation which concluded I was a victim of fraud, as well as other evidence demonstrating the hardship this fraudulent stealing of my monies has caused. 
On XXXX Chase reversed the stolen XXXX payments and credited my account for the stolen funds. I was happy that this most unpleasant ordeal was finally over. 
On XX/XX/XXXX, a month later, Chase wrongfully and without just cause reversed the credited amount to my account and again withdrew the monies that were stolen on XXXX. I was now being victimized by my own bank. I contacted Chase by phone and was told that they ( in a self serving manner ) had concluded that no fraud had occurred. I requested the bogus investigation results and how it was determined that no fraud had occurred to which the Chase representative refused to provide. She simply insisted that I request that the investigation be reopened, submit the same information I previously submitted so as to wrongfully further stretch out this matter another year. This self serving improper action by Chase is wrongful and unlawful. 
I believe I am being discriminated against, treated improperly and in an unlawful manner. Upon information and belief other similarly situated individuals have had their fraudulent charges reversed in less than a year and have NEVER had to endure the cruel mistreatment of having their stolen charges returned and then wrongfully reversed with absolutely no explanation. Chases further attempt to drag on this matter by having me resubmit the same paperwork is further evidence of bad faith and unlawful motive. 
As you are aware, under the Electronic Funds Transfer Act ( EFTA ) it requires that once you notify your bank the bank must : a ) Promptly investigate the error ; b ) Complete the investigation within 10 business days or fewer ; c ) Report its findings to you within three business days of completing the investigation and ; d ) Correct any errors within one day from confirming the error. This includes refunding the money taken without authorization and any related interest. Here, the bank has wrongfully and without just cause intentionally deviated from the EFTA in order to discriminate against me. There is no justification for their intentional deviation of well established procedures and law.

Chase has regrettably, wrongfully and without just cause from the time I reported the incident refused to properly investigate this matter, refused to return my stolen funds nor provide any explanation as to their unlawful refusal. They in a cruel manner temporarily returned the funds only to wrongfully retake them without providing any explanation for their unlawful and bizarre actions. I am respectfully requesting that the stolen funds wrongfully taken out by Chase be returned to my account together with interest and punitive damages of {$1000.00} for their intentional violation of the EFTA.

Company response to consumer: Closed with explanation