Consumer complaint received 2017-05-23 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:
My name is XXXX XXXX and I have been a Chase customer for 9 months. I get my social Security XXXX check direct deposit into my account every XXXX of the month since I opened my account with my first XXXX check back in XX/XX/XXXX in the amount of {$7300.00}. XX/XX/XXXX XXXX XXXX I went to get my chase bank card out my wallet but it was n't in my wallet, I looked around my house and checked every where and could n't find it, and that 's when I realized my chase bank card was lost. I called chase XX/XX/XXXX around XXXX or XXXX to report my card stolen, the representative then told me that there was money drawn from the account and a check was also deposited into my account. I told the representative I only get social security XXXX checks and that 's the only checks I ever I had deposited into my account since I been with chase, so what ever check and transaction made to my account on XX/XX/XXXX-XX/XX/XXXX was not made by me and did NOT have my authorization to use my card or have access to my account. The last time I used my chase debit card was XX/XX/XXXX and I withdrew amount {$300.00}. The person withdrew large amounts of money from my account at once, amounts {$800.00}, {$2100.00}, {$200.00}. {$200.00}, and also deposited a fraud check for the amount of {$2600.00} in a 2 day time frame all done from the same place and address, and I NEVER used my card to withdraw money in that type of manner. The most I have ever withdrew from my account was $ XXXX {$450.00}. I spoke with a representative from the claims department name XXXX around XXXX XX/XX/XXXX and told her exactly what I explained above and filed a dispute with her against those transactions. {$1000.00} was credit back into my account on XX/XX/XXXX and another {$2100.00} was credit into my account XX/XX/XXXX but then chase bank sent a email to XXXX XX/XX/XXXX saying they were reversing the credit on my account XX/XX/XXXX because the card fraud department said I confirmed the transactions, and they were reversing the credit in my account on that decision. XX/XX/XXXX Chase took all my money in my account including my social security XXXX check that was deposit to my account on XX/XX/XXXX. I called chase claims department XX/XX/XXXX and spoke to a representative name XXXX XX/XX/XXXX at XXXX and told her I NEVER confirmed any transactions and that was a lie, I asked her can I be provided proof of where I confirmed these transactions and XXXX said no, I could not be provided proof of my confirmation. I called back XX/XX/XXXX XXXX and spoke with a claims department supervisor XXXX XXXX and I asked him why was my dispute denied because my card was stolen and I did not make any of the transactions they are holding me accounted for, I even explained how I went to chase branch XXXX/XXXX/XXXX and got a brand new XXXX debit card so it was impossible for me to make any of those transactions because my card was lost at that time. XXXX told me he was sorry but there was nothing he could do for me. I asked XXXX XXXX to please provide me proof and evidence of my confirmation because I did n't confirm anything, but XXXX said he could not provide any proof. I spoke with a XXXX XX/XX/XXXX from the cards fraud department and he told me there was a text message sent to my phone where I confirmed the transactions, I told XXXX I did NOT receive or confirm any transactions made on XX/XX/XXXX- XX/XX/XXXX and can I please be provided proof of this confirmation and XXXX told me he could not provide me with any proof. Chase bank has taken all my money I had in my personal chase bank account that 's also my social security XXXX income which is my only income. I 'm asking to please help me get my money back the total amount chase owes me is {$3300.00} please help me resolve this matter. I have documents from my chase account to prove I only get XXXX checks and no other checks I never had any problems with my account until XX/XX/XXXX was the first time.

Company response to consumer: Closed with explanation