Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This complaint is a SUPPLEMENT to CFPB XXXX XXXX. I am submitting this statement in response to Chases prior response regarding my complaint involving an unauthorized {$4800.00} electronic transfer and related fraudulent account activity. After reviewing Chases response, I have identified multiple factual inconsistencies and unresolved issues that I believe are material to the investigation outcome. INACCURATE CREDIT CARD INFORMATION Chases response includes incorrect information regarding my credit card fraud claim. Specifically : Chase references a {$40.00} transaction and states a temporary credit was issued on XX/XX/year>. This is incorrect. I did not file a claim for a {$40.00} transaction, nor did I receive a temporary credit in that amount or on that date. The actual fraudulent transaction was {$47.00} on my previous credit card ending in XXXX, which has since been replaced with card ending in XXXX. These inaccuracies raise concerns that Chases investigation may have relied on incorrect account or transaction data. INCONSISTENT DESCRIPTION OF ONLINE TRANSFER Chase states : We reviewed your claim for the {$4800.00} transaction with XXXX XXXX XXXX on XX/XX/year>. However, the unauthorized transaction I reported was an online transfer to a XXXX XXXX account. The term XXXX XXXX XXXX does not clearly identify the receiving institution or match the transaction as I reported it. This discrepancy raises concerns about whether the correct transaction was reviewed during the investigation. INCOMPLETE RECOVERY PROCESS / HOLD HARMLESS LETTER ( HHL ) The receiving bank, XXXX XXXX, has indicated that recovery of XXXX funds typically requires a Hold Harmless Letter ( HHL ) from the sending bank to proceed with recovery efforts under XXXX procedures. I am requesting confirmation of the following : Whether Chase submitted a Hold Harmless Letter to XXXX XXXX in connection with this {$4800.00} transfer If so, the date it was sent and confirmation of delivery If not, why this step was not taken as part of the recovery process, especially given that the fraud was reported within approximately XXXX hours of the transaction SIMULTANEOUS FRAUD INDICATING ACCOUNT COMPROMISE At the same time as the unauthorized {$4800.00} transfer, I also experienced unauthorized transactions on my Chase credit card. Similar fraudulent activity also occurred on a credit card issued by another financial institution. This pattern of simultaneous fraud across multiple accounts strongly indicates account compromise rather than authorized activity. I am concerned this pattern was not adequately addressed in the investigation. REQUEST FOR REVIEW Given the above inconsistencies and unresolved issues, I respectfully request : A reinvestigation of my claim based on accurate transaction and account data Written clarification of the evidence used to determine authorization Confirmation of whether full ACH recovery procedures, including HHL submission, were followed Reconsideration of the claim under Regulation E for unauthorized electronic funds transfer I have acted promptly at every stage, reported the fraud immediately, and fully cooperated throughout the process. I am requesting a complete and accurate review of this matter.

Company response to consumer: Closed with explanation