Consumer complaint received 2022-02-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I recd email saying I ordered XXXX XXXX and if I didnt to call cust. Service ( XXXX ) to cancel and get refund. I called and they canceled subscription but that I had to talk to banking Dept. for refund. I spoke to XXXX XXXX ( XXXX ) and he said he would give a direct refund and to click on link he was sending and to open my bank acct. I clicked the link and he immediately took remote control of my laptop.he said to put in refund amt. of {$550.00} on dos screen that came up and I saw my checking receive {$55000.00}. He got angry and blamed me for incorrect amt. and said I had to return their money in their particular way which was wire transfer. He initiated a transfer of {$54000.00} ( XX/XX/2021 ) and it would take XXXX hrs. I problem came up that their bank in XXXX only accepted a certain limit daily so they returned half to ny checking and he initiated second transfer ( {$27000.00} XX/XX/2021 ) which he said would be another XXXX hrs. I couldnt get ahold of him. He had told me that the XXXX XXXX  had blacklisted my social security number and everything associated with it and that they would take my savings if I didnt pay them back. I went to the bank to stop everything and they showed me my accounts and they had been drained in the amt of {$81000.00}. I was in total shock and panic and my mind couldnt think straight. The bank put in a claim and froze my accounts. They told me to come back to fill out papers and I did. The bankers were all busy and I sat for about an hour then someone handed me a form and said to quickly fill it out. I sat and tried to write down what happened and handed it to someone and no one looked it over or mentioned any urgency or accuracy requirements. I went to the bank every other day to get status and I knew something was wrong and I finally looked over my statement and realized it was being mis interpreted and asked to amend my declaration because I knew it needed to be clarified. They would not let me submit anything. I went to police and made a complaint and report of the defrauding and went to bank and gave it to them as evidence and I also went to a computer tech store to have them get back access to my laptop. They wiped the laptop clean of any of the hackers files and wrote a report stating I was hacked and laptop had been taken over linked to the XXXX XXXX  icon. I brought this to bank as evidence and all the bankers said they felt with my proof that I didnt do the transfers that I would be covered by the banks insurance. The bankers were also all witnesses to what came out of my mouth stating I did not do the transfers. The claims Dept. stated to me o the phone that they knew I didnt do transfers but it was still denied. I submitted a file to the OCC CAG and they tried to resolve this with the bank but the bank again denied it. I am now responding to OCC CAG with a letter of disagreement and my reasons for this and that I had legal rights to amend and clarify my statement.

Company response to consumer: Closed with explanation