Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I filed a complaint with the Federal Reserve on XX/XX/23 and thought they were going to handle the complaint, but after reading more information, it appears I needed to file the complaint here. 

I was the victim of a romance scam. I sent a cashier 's check to XXXX XXXX XXXX XXXX. The check was sent to XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX in the amount of {$110000.00} on XX/XX/23. The scammer took the check to Chase Bank on XX/XX/23. Chase did have suspicion about the check and placed a hold on it until XX/XX/23. On XX/XX/23, I realized I had been scammed. On XX/XX/23, I called Chase Bank customer service number XXXX and informed XXXX different people that I had been scammed and told them they had a cashier 's check on hold and asked them to please not release it. I was told they could not talk to me since I was not a member of Chase and I had to go through my financial institution where I received the cashier 's check. On XX/XX/23 I went to XXXX XXXX XXXX to my local branch and worked with XXXX XXXX ( Branch XXXX ). She called Chase to request the check not be released due to this was a scammer. She attempted to tell them they have a customer who is committing fraud. They sent her to XXXX different departments and each time the representative would not help. Chase offered no assistance and told her they could not stop the check. XXXX informed me to call XXXX XXXX to report the check was sent to a scammer which I did. They said they raised a red flag alert that day to try and stop the check. I attempted to call Chase again on XX/XX/23 to plead with them to not release the check. I did finally have XXXX representative ask who the check was sent to. I gave her the name and the last XXXX digits of the account number ( all I had ). She put me on permanent hold and never returned to the call. XXXX XXXX told me there was nothing more they could do because it was a cashier 's check. On XX/XX/23, XXXX Bank called me re : a wire I had also sent to this same scammer. They did determine this was fraud and told me they were going to return my wire money back to me. They also said I could request my financial institution to send a hold harmless indemnification letter to Chase Bank. This was the first time I ever heard about this option. I called XXXX XXXX and spoke to XXXX XXXX in the compliance department to request such a letter. She told me I would have to call Chase Bank to get an email address of where they could send that letter to. I told her they wouldn't talk to me before because I am not a member of Chase. She said the bank is too big and they would need an email address to send it to or it would get lost in the shuffle. I called Chase Bank customer service number again and requested the fraud department. They would not transfer me to anyone in who actually worked in the fraud department. I attempted to report the scammer 's name to them and they would not take the information. I asked for an email address and they said they don't have one. One representative told me I would have better luck if I called the branch. I attempted to call the XXXX XXXX XXXX XXXX XXXX times and nobody would answer the phone. A message saying nobody is available to take my call and then they would hang up. I attempted to stop this cashier 's check from being processed multiple times and not one person at Chase after talking to at least XXXX different people would help me even though the check was on a hold until XX/XX/23. Now, I'm trying to send a letter to Chase asking for a hold harmless indemnification letter and I can not get any help from anyone! Chase Bank doesn't seem the least bit concerned they have a customer who is committing fraud and they have no interest in stopping it.

Company response to consumer: Closed with explanation