Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
In XX/XX/2023, XXXX XXXX called to tell me that my friend XXXX XXXX XXXX XXXX XXXX died and that he needed me to sign some documents. 
On XX/XX/XXXX I met XXXX XXXX at the chase bank at XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. XXXX XXXX asked me to sign over the money that XXXX XXXX XXXX XXXX ) left me as beneficiary on his accounts claiming that was his directive in his will. The banker XXXX XXXX asked for my drivers license to give me the cashiers checks. XXXX then did not hand me the cashiers checks except for the top portion, Customer XXXX, of the checks. The total amount was over {$100000.00}. XXXX asked me to hold my identification and stand at a cashier window in front of XXXX XXXX. XXXX handed XXXX the checks. XXXX asked me if she should cash the checks and transfer them to the trust account. I shrugged my shoulders and said, I dont know. I dont know what this trust is. I then walked to XXXX XXXX and asked him if everything he was doing was honest and whether XXXX really wanted this money to go to this trust. XXXX XXXX said yes, XXXX said that as far as he knew this money was mine but there may be other legal documents that stated it should be given to this trust. I went back to the cashier, took my ID, and left. 
On XX/XX/XXXX, I asked XXXX XXXX to see XXXX 's will, he refused. I went to the same Chase branch and asked for my money. I was told that the money had been transferred to a trust. I asked for the name of the trust and who controlled it and they refused to say. I asked for a receipt of the cashier check that was made out to the trust and was told XXXX took it home. 
On XX/XX/XXXX, I went to the chase branch. XXXX and XXXX both verified that they had deposited my checks in error without my endorsement. XXXX identified me as you are the guy who shrugged your shoulders. XXXX said she would file a claim. I called the fraud department at XXXX and was told I could not file a claim because I did not own those accounts. 
After following up XXXX more times, I spoke to XXXX XXXX, XXXX XXXX on XX/XX/XXXX. She promised to contact me every day until this issue was resolved. On XX/XX/XXXX XXXX responded to my email with, I was planning on calling you later, but as discussed on XXXX, I have submitted the research and they will get back to me in XXXX business days. 
XXXX has since then not responded to my emails, phone calls, or in person visits. 
On XX/XX/XXXX XXXX from Chase Branch and Complaint Feedback called me and said she should be able to undo the transaction because the Cashier Checks were not endorsed. 
On XX/XX/XXXX XXXX called to say that they had no mechanism to undo the transaction because I do not have a checking account at Chase and because the Cashier Checks were used to make another set of Cashier Checks they did not have any mechanism for undoing the transaction or returning my money. I asked that Chase return my money since this was their mistake and I was told that I would have to go outside Chase to get my money.

Company response to consumer: In progress