My fiancé and I are looking for advice after unauthorized activity on our Chase checking account.
Our original debit card never arrived. We learned from USPS that mailboxes in our area had been broken into. We removed all money from the said account and was going to have it close in the 60 days since no money was in it.
Then there were unauthorized ATM withdrawals and an attempted check deposit involving our account. We reported the activity immediately. Chase initially credited some money back, but later denied our claims. We even got a text message saying fraud was happening and we responded back saying yes it is fraud.
The explanation we were given was that a debit card and PIN were used. But we never received or activated the original card, and we never created a PIN for it. That is the part we keep trying to get someone to investigate and explain. We have asked for security footage from the ATM. We have contacted everyone we can get ahold of a Chase. Everyone is shutting us down.
We’ve called Chase, visited branches, and filed a government complaint, but we still haven’t recovered our money. We also provided a location screenshot showing we were somewhere else when the activity occurred.
This was money we were saving for our future wedding, and it’s incredibly frustrating to keep asking for help without getting a resolution. We now are out of luck for a wedding fund.
We talked to someone else again and they said it’s been over 90 days and they have deleted all information connected to the account. Even though we had open fraud claims on the account.
Has anyone successfully appealed a similar Chase denial, especially involving a debit card that never arrived? What helped get your case reviewed properly? We’d appreciate recommendations for a consumer advocate, an attorney who handles banking disputes, or an escalation contact who could help.
Thank you to anyone who can share firsthand experience or point us toward a useful next step.