Checking or savings account -- Managing an account -- Complaint #4662921

Complaint Overview

Complaint ID: 4662921

Company: Jpmorgan Chase & Co.

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Sub-Issue: Problem using a debit or ATM card

State: Pennsylvania

ZIP Code: 19152

Date Received: 2021-08-25T12:00:00-05:00

Date Sent to Company: 2021-08-25T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

{$4800.00} was stolen from my XXXX checking account. Someone stole the envelope with the {$18.00} check I mailed out using the street blue mailbox for a lawn service. My {$18.00} check was altered and cashed by a person named XXXX XXXX. He or she simply crossed out the original amount of {$18.00}, wrote the new amount of {$4800.00} underneath, changed the memo from the Invoice number to a Car payment, and deposited it using JPMC Bank ATM ( JPMorgan Chase XXXXFormer XXXX XXXX ). Neither JPMC nor XXXX banks saw anything wrong with the check and accepted it. As soon as I saw the fraud on my account I reported it to my bank and the police. Here is what my bank ( XXXX ) stated when I requested the provision of credit : " We confirmed that our Security Department received the Check Fraud Dispute you submitted. For this type of dispute, the bank of first of deposit ( where the check was deposited ) is responsible for investigating your claim. Your dispute was sent to this financial institution, XXXX XXXX, Indiana NA, upon receipt of the dispute submitted in the branch. The investigation typically takes between 60-90 days ; however, due to COVID, the investigation may take up to 120 days. Upon completion of their investigation, the bank of first deposit will contact XXXX XXXX with their findings, and we will contact you with the details. If they provide the reimbursement, it will be posted to your account as a credit memo. Unfortunately, provisional credits are not offered for a check fraud dispute. While there are some debit/credit card disputes where provisional credits may be provided ; this is not a situation where a provisional credit can be applied to your account. ". I had an excellent credit score, and it's now in jeopardy. How I am supposed to pay my bills? Coronavirus is now balmed for everything. The bank has allowed someone to take my money and refused to take any responsibility. I am not even sure if I ever get my money back. I thought FDIC had some leverage here. I am now not sure. I am asking for any possible help. I can provide a copy of the check that was altered and deposited, and other documents if needed. Both banks have all the necessary information. I can not contact JPMorgan Chase for the provision of credit, since I am not a customer there. They will not talk to me. I was told by my bank that they dont have control over the ATMs. I was shocked to found out that. It means that anybody could just draw a check and deposit it using ATM. What is the point to rob a bank with a weapon, if it is easily can be done through ATMs. I am going to write a letter to the XXXX XXXX XXXX and contact media to bring attention to this problem. How could a check like that be accepted by an XXXX XXXX? Where was their security department?

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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