Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was the victim of an online marketplace scam on XX/XX/XXXX The scammer was posing as someone else that had references and they sent me a XXXX payment ( which I did not ask for or authorize ) and then proceeded to try to get me to send the money back via XXXX XXXX  ( the amount was XXXX ) and to get me to sent it back quickly he asked for only XXXX back I was unable to send it back via XXXX XXXX  and the scammer ( posing as someone else ) was escalating the situation saying they needed it back ASAP for a client and didn't want to look like they were delaying and they requested I just XXXX the money they sent me ( that I never asked for or requested for ) to their client I unknowingly obliged and the money was sent on XXXX Days later I tried to deposit a check into my checking account ( the same one that the XXXX payment was made from ) and that feature was not accessible ( even though I have used it numerous times in the past ) I called CHASE and they said to just go into a local branch and have them call to see what the deal was and why my account was acting like this When I arrived and spoke to the Relationship Banker in person I learned that my account had been frozen and the scammer had a claim against me saying I requested funds and then sent them away ( which I NEVER did ) and I had no clue my account was frozen because CHASE did NOT notify me ( which is problem # XXXX ) I explained to the banker what had happened and she made some calls for me to the claim department to learn more and that is when we learned that the claim had been filed against me and why my account was frozen and the claim would be held on until the filer dropped it by XX/XX/XXXX I took screenshots and documented the whole ordeal to prove I was scammed and I was the victim and we sent it in to a new claim that was created by the CHASE claims agent My claim was settled overnight and NO action was taken because you can't file a claim on a XXXX payment because they said it's just like a wire transfer ( which IRONICALLY was what the scammer did- file a claim based on a XXXX XXXX ) which have NEVER found the light of day The evidence I sent in wasn't even looked at as it proved my innocence in the whole ordeal The banker then submitted my evidence to another individual in the claims department but has yet to hear back from anyone there The CHASE Claims department wrongfully has frozen my account based on a bogus claim made by a scammer ( which I have proved ) and they have enacted to freeze my account based on a XXXX XXXX ( which they told me they can't do as they settled the claim I sent in after the fact ). 

The pictures I am uploading show the start of the convo with the scammer, how it escalated into them sending me a XXXX that I did not ask for, them asking for the money back, and telling me where to send the funds It also shows documentation of a text showing when the payment went through along with my online account showing my activity and me never having asked/requested any payment

Company response to consumer: Closed with explanation