Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
*He comment my instagram post like " Congratulations!!! you among the lucky winners for {$15000.00} kindly send a dm to claim your prize. '' I texted him in dm. He start to request XXXX $ for donate children. Then XXXX $ for clearance fee. He said " We now at the final step sire Yo man what's popping your winning is finally ready with me. You only need to send {$850.00} that would be my cut from your winnings sir. Once again congratulations sir hope you do something great with your winning ''. He tried to request again " All you need to do now is to pay {$700.00} for the management cut because they are the one in charge of your winnings and without that XXXX $ they won'e release. I already spoke with them so that's what they need and everthing is cool ''. Then " You have to pay XXXX $ for acceptance fee so your winnings can be completed then we are good bro '' Then " Good you need to authorized this payment with XXXX $ because it still pending here so you will get it without no issue because of XXXX limit so wan na waive the limit so you get your money in full without no issues and we good bro once again Congrat happy for you ''. After that he still request " Here is XXXX info - XXXX. Name  - XXXX. Trasportation Reference - XXXX XXXX. Amount - XXXX $ ''. He requested anohter XXXX $ and i didn't pay him again. I realized he is scamming. I told him " If you want XXXX $ cut from my winning ''. He said " You can't cut from winning ''. I told him I will refund my money back. He said you can't refund your money during process. He said " The whole money to complete this process is XXXX $ and you already paid XXXX $ ''. He didn't tell me from the start i have to pay XXXX before getting the XXXX. He explained more and I'm not trust him anymore. After i paid first XXXX , my bank is pending to transfer him money to his number. He told me to request my friend. So, i transfer to 4 other friends and sent the money. I told him I really need money to pay my school tuition fee in XXXX. He said pay XXXX $ and I will get XXXX . 
* The total amout -- XXXX $ as a XXXX XXXX  this amount is too much for me. 
* That's is happening in XX/XX/XXXX morning and i report the bank at XX/XX/XXXX evening. The bank give me other number and they can help me my situation. At that time, all transaction is pending. Unfortunately, all chase bank has technical issues and i can't do nothing in XX/XX/XXXX. I go to the local bank talk with them. I didn't directly transfer the money to scammer. I transferred the money to my friend then transfer to scammer. It is not grantee. So, I didn't refund my money back. In XX/XX/XXXX and XX/XX/XXXX the transaction is disputed with claim number. So, i called customer call department for claim my refund. They asked me again about the scam. After answering, there is no refund for authorized money. I can't refund. I also report this situation to ic3 website.

Company response to consumer: Closed with explanation