Checking or savings account -- Managing an account -- Complaint #4718915
Complaint Overview
Complaint ID: 4718915
Company: Jpmorgan Chase & Co.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed
State: Illinois
ZIP Code: 60645
Date Received: 2021-09-14T12:00:00-05:00
Date Sent to Company: 2021-09-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX & XX/XX/XXXX someone logged into account a sent three XXXX transactions to their account after stealing my phone. Transaction 1 was for {$1.00} Transaction 2 was for {$1300.00} Transaction 3 was for {$1400.00} On XX/XX/XXXX I filed a claim with chase informing them of the fraudulent transaction claim # XXXX chase denied the claim on XX/XX/XXXX. I had my attorney send chase several letters in which they never responded to. To Whom It May Concern : Please be advised that our offices have been contacted by XXXX regarding the claim and account number set forth above. MsXXXX XXXX informs us that on or about XX/XX/XXXX, an unauthorized charges in the sum of {$2800.00} was assessed against her account by XXXX Payments. She does not know the recipients of the funds. As Ms. XXXX did not authorize the charges, she promptly disputed the charges with Chase Bank on XX/XX/XXXX and the claim number set forth above was commenced. On XX/XX/XXXX, your offices closed Ms. XXXX claim, erroneously concluding that the transaction was properly processed and/or authorized. Ms. XXXX then disputed the finding and Chase again denied the dispute, saying that no fraud triggers could be detected and that the device used was consistent with her log in history. Ms. XXXX states that her device was secured in a locked location while she was hospitalized for XXXX. She was unaware that her phone had been stolen as she was seriously ill and hospitalized at the time. She therefore had no occasion to report the theft until she left the hospital and discovered it. Ms. XXXX asserts that at no time did she initiate these charges with XXXX. As such, the charge was clearly fraudulent and Ms. XXXX should not be held financially liable for the charges. On behalf of Ms. XXXX we demand that your offices reopen this claim and remove the charge and any related fees from Ms. XXXX account and send Ms. XXXX written confirmation of the account adjustment. Alternatively, if your offices contend that the charges were authorized, then we demand that your offices produce written copies of any and all documentation upon which base your conclusion for Ms. XXXX review. If your offices fail to comply with this demand within twenty-one days of the date of this letter, we shall advise MsXXXX XXXX to pursue all remedies at her disposal. This firm appreciates your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #4718915 about?
Complaint #4718915 was filed against Jpmorgan Chase & Co. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-09-14T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". 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.