Checking or savings account -- Managing an account -- Complaint #18535053
Complaint Overview
Complaint ID: 18535053
Company: Jpmorgan Chase & Co.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: California
ZIP Code: XXXXX
Date Received: 2025-11-21T12:00:00-05:00
Date Sent to Company: 2025-11-21T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Request for Assistance with Unauthorized Transaction Claims XXXX XXXX XXXX Account Information : Chase Checking Account # XXXX ( Primary ) Claim # XXXXXXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to request your assistance in resolving an issue with unauthorized ACH transactions on my checking account. I am hoping you can help me navigate this distressing situation and ensure that my claims are properly processed. On the morning of XX/XX/year>, I received an overdraft notification from JPMC via email, which prompted me to check my online banking. To my dismay, I discovered numerous unauthorized charges that I had never authorized or initiated. I immediately called Chases claims department to report these fraudulent transactions. During that call on XX/XX/year>, I reported the following unauthorized transactions to your claims representative ( the recording of this call should verify these details ) : Reported Unauthorized Transactions : - 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, it appears that the XX/XX/year> micro-deposits were inadvertently not included in the initial claim documentation, though I did report them during that first call. This omission led to my receiving a denial letter on XX/XX/year>. Upon receiving this letter, I contacted the claims department again on XX/XX/year>. The representative I spoke with was very helpful and submitted additional claims to ensure all the unauthorized transactions were properly documented. As a result, I currently have three claim numbers associated with these disputed transactions : # XXXX, # XXXX, and # XXXX. I fully understand that some of these transactions may fall outside the 60-day dispute window, and I recognize that reimbursement for those may not be possible under banking regulations. However, I am particularly concerned about the transactions that do fall within the protected timeframe, especially the substantial XX/XX/year> transactions. I am reaching out now to respectfully request your help in ensuring that my claims are processed correctly and that I receive provisional credits for the disputed transactions that qualify, particularly those within the 60-day reporting window. I promptly reported these issues as soon as I discovered them and have completed all requested documentation, including the Disputed Transaction Questionnaire. This situation has caused me considerable stress and financial hardship. I would be deeply grateful for any assistance you can provide in expediting the resolution of these claims. If reviewing the recorded call from XX/XX/year>, would help clarify that all transactions were reported during my initial contact, I would encourage you to do so. I sincerely appreciate your time and attention to this matter. Please let me know if you need any additional information or documentation from me to help resolve these claims. Thank you for your understanding and assistance. Respectfully submitted, XXXX XXXX
Frequently Asked Questions
What is Complaint #18535053 about?
Complaint #18535053 was filed against Jpmorgan Chase & Co. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-11-21T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.