Consumer complaint received 2018-03-13
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Addendum To XXXX Police Dept. Case No:XXXX & FBI Report created on XX/XX/XXXX Subject : Fraud and Scam over 3 year period of time on XXXX XXXX What happened :  On XX/XX/XXXX I was informed by Chase Bank about possible fraudulent activity on my Chase Checking account. The check deposited was in the amount of XXXX. The fraudulent amount stated was XXXX. Case No. 
XXXX. The memo came from XXXX XXXX XXXX. See Exhibit 14. 
My concern is that this check was processed within a 2 day period and a longer term hold was not placed on the check. I then assumed that the check was collectable. 
XXXX XXXX stated to me that if I did not get the funds return by XX/XX/XXXX, my name would automatically go in to a database for persons handling fraudulent checks and that I would not be able to do banking, get a credit card or handle any financial arrangements. 
This situation has caused me a great deal of distressed. I asked if we could set up a payment arrangement and he said they do not do that. 

Brief Summary XX/XX/XXXX Person claiming to be XXXX XXXX was met online through ( XXXX ) Spent time getting to know him. 
Communication was consistently maintained between XXXX and XXXX via text XXXX XXXX communicated to XXXX that he was a widow, and a mechanical engineer working in XXXX XXXX, XXXX XXXX on a government contract putting in a piple line. XXXX also claimed to have people working for him. 
XXXX continued romantic communication for the next few month gaining XXXXTrust. Over the duration of the created courtship ( 3yrs ), in XX/XX/XXXX, XXXX sent XXXX a signed promissory note for XXXX. If you add the two checks that bounce ( XXXX ) he has received approximately {$190000.00} with approximately ( 12 ) wired transactions from XXXX Annuity Account and her 401K and Life Savings. 
Other means of getting money to XXXX included cash wires to different bank accounts and individuals. XXXX and XXXX discussed the money being transferred to XXXX as being a loan and promissory notes were generated to document the loan and XXXX being paid back. 

Addendum To XXXX Police Dept. Case No:XXXX & FBI Report created on XX/XX/XXXX Subject : Fraud and Scam over 3 year period of time on XXXX XXXX Page 2 XXXX received a copy of XXXX passport from XXXX stating that he was a XXXX Citizen. XXXX provided XXXX with her passport and drivers license in XX/XX/XXXX, at his request in order to have the large sums of money paid back to Her by his lawyer. 
XXXX had several checks sent to XXXX via XXXX XXXX from his lawyer as repayment for the loans given to him. 
The bank ( ie. Chase Bank ) has confirmed that all checks given to XXXX from XXXX are invalid and insufficient. 

History XXXX says he was born in XXXX, but parents raised him in XXXX. 
We spent considerable time communicating and talking about our future together. 
He said he was living in XXXX XXXX, California in a bungalow. 
He said after his wife died, he lost his job because he could not concentrate. 
He indicated that he got a contract assignment from XXXX XXXX. He said the contract was for XXXX. 
He said he started his own engineering company. 
He said he was a Mechanical Engineer putting in a pipe line in XXXX XXXX, XXXX XXXX. He indicated that he was the project supervisor. 
Towards the end of XX/XX/XXXX he started telling me that he loved me and wanted to come back and be with me in XXXX. 
We spent considerable time communicating and talking about our future together. 
I fell in love with him. I thought he was a man of integrity. I thought he was a XXXX XXXX XXXX Man. Often he would quote considerable Chapter and Verses from the Bible. He continued to reassure me of his love for me and his desire to come and be with me. 
I have not dated anyone in 27 years and felt stong feelings for him. He wrote to me or called almost every day in the begining. His emails were eloquent and drew me in to what he as an individual represented. His writing skills are superb. He connected with my values and a XXXX Representation. 

In XX/XX/XXXX, he told me about a major accident with a Crane that broke on the work site XXXX told me that 3 of his workers were physically ill as a result of the crane accident. 
He was very upset and in tears. He said that Cranes cost a lot of money and that he had exhausted his funds trying to keep the project going. He said that if he didnt get the Crane fixed, he would not be able to complete the pipe line project. 
He asked me if I could loan him the money to get the Crane fixed. 
He estimated that the Crane cost would be XXXX. 

Addendum To XXXX Police Dept. Case No:XXXX & FBI Report created on XX/XX/XXXX Subject : Fraud and Scam over 3 year period of time on XXXX XXXX Page 3 On XX/XX/XXXX a Chase Wire to XXXX XXXX ( XXXX ) for XXXX in the amount of : XXXX for a Crane Manufacturer was sent ( See Exhibit 1 ) to start process of repairing the Crane. 
XXXX signed a Promissary Note for {$36000.00} on XX/XX/XXXX to me. ( See Exhibit 2 ) He also listed me on the promissory note as his Fiancee. I was touch. 
I began getting the funds to help him. See the following process. 
Nothing directly to his name or account. He always had me send funds directly to his lawyer or a designee Where Did The Funds Come From? 
Made Withdrawal Requests to XXXX on my existing Annuity Wired thru Chase Bank ; XX/XX/XXXX XX/XX/XXXX Withdrawal Request, XXXX. ( See Exhibit 3 ) XX/XX/XXXX - Chase Wire to XXXX XXXX, XXXX ( See Exhibit 4 XX/XX/XXXX XX/XX/XXXX Withdrawal Request for XXXX, ( See Exhibit 5 XX/XX/XXXX Chase Wire to XXXX XXXX XXXX, XXXX , ( See Exhibit 6 ) XX/XX/XXXX XX/XX/XXXX Withdrawal Request for XXXX out of my Annuity with XXXX. ( See Exhibit 7 ) XX/XX/XXXX Chase Wire to XXXX XXXX XXXX, XXXX ( See Exhibit 8 ) XX/XX/XXXX Exhitbit 9 - XX/XX/XXXX Chase Wire to XXXX XXXX XXXX XXXX, XXXX Exhibit 10 - XX/XX/XXXX Chase Wire Transfer to XXXX XXXX XXXX XXXX, XXXX What Were Reasons Communicated for the money : Actual Chase Wires to XXXX or his designated lawyer or individual : Reason for the loans XX/XX/XXXX - XXXX - ( See Exhibit 1 ) Fix Crane XX/XX/XXXX - XXXX ( See Exhibit 4 ) - Fix Crane XX/XX/XXXX - XXXX ( See Exhibit 6 ) Fix Crane XX/XX/XXXX - XXXX - ( See Exhibit 8 ) - Fix Crane XX/XX/XXXX - XXXX - ( See Exhibit 9 ) - Workers in hospital had to pay wages. 
XX/XX/XXXX - XXXX - ( See Exhibit 10 ) - Workers Wages to pay has no wages. 


Addendum To XXXX Police Dept. Case No:XXXX & FBI Report created on XX/XX/XXXX Subject : Fraud and Scam over 3 year period of time on XXXX XXXX Page 4 Checks sent to me from XXXX or his lawyer : Some time after XX/XX/XXXX, XXXX sent a check to me for XXXX. It looked like a social security check. I took the check to XXXX XXXX as I was working in XXXX. 
XXXX, Colorado. XXXX XXXX informed me that the check was invalid and they closed my business account. I told XXXX about this and he apologized and said he will straightened things out for me and write a letter to XXXX XXXX. He never did. I need to find a copy of the check to submit on this case. 

Sold Condo in XX/XX/XXXX proceeds XXXX to XXXX in support of buying another crane : Taken from XXXX XXXX XXXX XXXX - Business Account XX/XX/XXXX XXXX to Process Enterprise, XXXX XXXX XXXX, XXXX, XXXX, XXXX Recipient Account : XXXX - Branch Code : XXXX, Swift Code : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX, XXXX. ( See Exhibit 11 ) XX/XX/XXXX XX/XX/XXXX Chase Wire Transfer to pay taxes on a XXXX Contract - See Exhibit 11A XXXX. 

Checks XX/XX/XXXX Copy of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX XXXX Label sent to me for fraud checks to me ship date XX/XX/XXXX for checks sent to me. ( See Exhibit 12A ) XX/XX/XXXX Memo/Comments on XXXX check from Chase Bank that bounced Copy of actual check ( See Exhibit 13 ) XX/XX/XXXX - Chase memo to me regarding fruadulant checks ( See Exhibit 14 ) Addendum To XXXX Police Dept. Case XXXX & FBI Report created on XX/XX/XXXX Subject : Fraud and Scam over 3 year period of time on XXXX XXXX Page 5 Research On My Case : Pertinent Information retrieved regarding XXXX The person known XXXX who has been communicating with XXXX does not exist. The pictures were used as a ploy. 
The last wire transfer in the amount of XXXX was wired to an account number and bank that XXXX provided to XXXX. The account and the money was wired to an account at XXXX XXXX   in XXXX, GA and to belong to XXXX XXXX XXXX XXXX. ( See Exhibit 16. )  The owner of XXXX XXXX XXXX XXXX, is listed as XXXX XXXX in XXXX, GA. Using XXXX XXXX and XXXX we determined that XXXX XXXX is also known as XXXX XXXX and was married to XXXX XXXX in XX/XX/XXXX. ( According to XXXX XXXX and XXXX ) XXXX XXXX is the owner of XXXX XXXX XXXX XXXX located in North Carolina and XXXX XXXX is from XXXX and studied Technology at a Technology college or institute. ( according to XXXX ) The Checks that were XXXX to XXXX were said to have come from XXXX lawyer or a designated individidual.. This was communicated to XXXX by XXXX. The Checks were from XXXX XXXX Operating Account in XXXX, Texas from XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX exist, however, the account numbers listed on the check do not exist. 
The checks appear to be fake. No XXXX XXXX Exist as well. Checks were XXXX XXXX through XXXX XXXX HR Systems at XXXX XXXX XXXX which is a valid Payroll Management company out of XXXX, OH. When I called they were not aware of the XXXX XXXX. They indicated that someone must be using their number and thank me for letting them know. 

The bounced check money went to XXXX XXXX XXXX Accounts Money was disbursed in Cash To following Checking Accounts Per XXXX instructions : XX/XX/XXXX - XXXX Cash money disbursed to account ending in - XXXX XX/XX/XXXX XXXX - Cash money disbursed to account ending in- XXXX XX/XX/XXXX XXXX - Cash money disbursed to account ending in XXXX XX/XX/XXXX XXXX - Cash money disbursed to account ending in XXXX Addendum To XXXX Police Dept . Case No:XXXX & FBI Report created on XX/XX/XXXX Subject : Fraud and Scam over 3 year period of time on XXXX XXXX Page 6 XX/XX/XXXX - My account was hacked into and the folder content on XXXX XXXX was removed. The Hacker is XXXX XXXX XXXX, XXXX XXXX. 
Their customer service is available XXXX. XXXX. 
They also took {$150.00} out of my XXXX XXXX account. 

I have contacted XXXX to see if we can recover the files from their server. 

Also what is enclosed is XXXX XXXX Passport and Pictures that he has sent me about Himself. These would be Exhibit 17 Respectfully Submitted, XXXX XXXX

Company response to consumer: Closed with explanation