Consumer complaint received 2022-08-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am almost XXXX XXXX XXXX and XXXX  XXXX  months ago. My husband took care of most financialmatters in our household. 

On XX/XX/XXXX I received a phone call from a man I did not know and he demanded in a very stern/angry voice I pay him back his {$9000.00} that was transferred into my Chase bank account in error. He told me to look at my bank account online and I would see the online transfer made to my account. I looked and sure enough there was almost {$15000.00} as my account balance including the {$6000.00} that I had in the account. He starteddemanding that I give him his {$9000.00} or he was going to send somebody to my house ( he knew my address and that I had {$15000.00} in the bank ). He then told me how to get him the money by mailing it to an address in XXXX, Nevada. He wanted his {$9000.00} in cash, I was so scared that I immediately went to my Chase Bank in XXXX XXXX, CA. and got {$9000.00} in cash from a teller. People have asked me if the teller questioned the large amount of cash because there are so many seniors in the area that may have fraudulent activities happening. The teller did not question it. I then went to the post office and mailed the {$9000.00} dollars to XXXX ( I have a post office receiptfor the envelope ). 
I was relieved that it was over until I received a letter from the bank a couple days later indicating my account was overdrawn by {$3000.00}? When I looked at my account it indicated that it was {$3000.00} overdrawn because Chase processed a {$9000.00} an online Debit Return transfer on XX/XX/XXXX. I went to Chase and reported the incident to XXXX XXXX XXXX XXXX, he closed my accountand told me that because I withdrew the money I was responsible for the loss of the {$6000.00} that was in my account plus I owed the bank {$3000.00} for the overdraft. My son XXXX XXXX has been trying to get Chase Fraud group to take responsibility for this fraud because the bank updated my bank account with the {$9000.00}. With my permission he has requested information from the bank such as what bank initiated the original deposit and the credit. Was it a XXXX XXXX or a foreign bank? What internal controls does Chase have in place to ensure a wire is valid before posting it to an account? Why was thereversal processed, we read that once a transfer was made itrarelyis reversed? Did Chase investigate why the reversal was processed? We getno answers!! There is a certain amount of due diligence we expect from the banks to protect an individuals money and when it comes to wire transfers at Chase bank we don't seem to get it.

I went to the FBI and they indicated that there was nothing they could do. If somebody goes into Chase bank and robs it, theFBI is all over it but an individual loses money theFBI does not investigate anything. The Chase Fraud group requested the post office receipt and other information, I gave it to them and haven't heard anything. Now Chase is threatening me that if I don't give themthe overdraft amountby tomorrow they are going to write it off and report it to the credit bureaus and to the IRS as income.

Company response to consumer: Closed with explanation