Consumer complaint received 2022-03-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Hello. My name is XXXX XXXX XXXX. I am writing you to explain a few situations that I am going through, currently. Recently, my identity was compromised, and I am going through fraud and fraudulent activities through my financial institution. This letter is written to explain the situations and to seek some help with this case. 
Recently, I met this man named XXXX XXXX. He is a U.S. Army Soldier who was recently XXXX to XXXX. He took my personal information for what supposed to have been a job offer, but then he used it to compromise my identity. He asked me to help him to take care of his personal finances that he did not do before he was XXXX such as send money to his Nanny ( his children caretaker ), pay some of his bills, etc. He had my bank accounts locked and closed due to his fraudulent checks being deposited into my bank accounts. XXXX XXXX XXXX requested for his accountant to deposit six ( 6 ) fraudulent checks into my bank accounts. These six ( 6 ) fraudulent checks total amount is {$5400.00}. Those checks were deposited into my accounts around XX/XX/2022. XXXX XXXX accountant used an XXXX to deposit those bounced checks into my bank accounts. To my understanding, I am currently going through accountant fraud as well because of what XXXX XXXX and his accountant has done to my bank accounts with XXXX XXXX Bank. I did not know anything about those bounced checks until JPMorgan Chase Bank mailed me a copy of those bounced checks. I confronted XXXX XXXX about those bounced checks after I received a copy of them of Chase Bank, and I told him about how his accountant deposited six ( 6 ) fraudulent checks into my bank accounts. Now, I'm going to fraud because of XXXX XXXX XXXX. JPMorgan Chase bank has locked and deactivated my bank accounts. They are expecting me to pay them - {$190.00} towards the remain overdraft balance within my bank account, but I do not know what was deposited or what transactions was made in them. Chase Bank did not let me access my accounts to see what had happened within them. I contacted Chase Bank several times and visited the Chase Bank in XXXX, Georgia to get more information about what happened, and no one could tell me what happened within my bank accounts. I was only told to keep contacting the Chase Bank Fraud department about my accounts. I have not received a full financial statement for XXXX. So, I do not know what took place within my accounts between the end of XXXX and XXXX of this year. I believe the Internal Revenue Services ( IRS ) might had sent ( deposited ) tax funds into my bank account and JPMorgan Chase Bank rejected and then accepted the tax funds to clear the overdraft fees ( from the fraudulent checks that XXXX XXXX XXXX and his accountant deposited into my bank accounts ). Soon, I hope to hear back from the IRS concerning the Identity Theft report that I filed with them recently. XXXX XXXX XXXX and his accountant deposited those bounced checks into my bank accounts and will be expected to pay for those overdraft accounts with JPMorgan Chase Bank, themselves. 
XXXX XXXX has been using my personal information to apply for unemployment insurance ( EDD ), credit credits ( XXXX XXXX ), loans ( XXXX XXXX ), etc. I have had to dispute some things from my credit report, recently. Now, my credit report is frozen and locked. I believe that it is XXXX XXXX XXXX who are using my personal information because I was not experiencing any of these fraudulent activities until I met him. These problems started to occur once I met him, and he have access to my personal information. I did not authorize him to apply for anything in my name. I would like to report him and his accountant as scammers to prevent this from happening to someone else, in the future. 
My bank accounts were locked more than once. The first time Chase Bank unlocked it, I was able to see the following transactions before they locked my bank accounts up again. After these deposits was made, I was unable to access my accounts. I do not know what else happened within my bank accounts. JPMorgan Chase Bank did not want me to know about these transactions or any other transactions that was made within my accounts. If they did, they would have allowed me to review my bank accounts information, instead of locking me out of my accounts and not providing me with requested information about my bank accounts. 
Returned Checks Dates, Amounts, and Transactions from XXXX XXXX XXXX accountant : 1. Date : XX/XX/2022 a. Deposit Amount : {$1900.00} i. Recipient : XXXX ( email : XXXX ) ii. Sent Amount : {$1900.00} 2. Date : XX/XX/2022 a. Deposit Amount : {$950.00} i. Recipient : XXXX ( email : XXXX ) 1. Sent Amount : {$200.00} ii. Recipient : XXXX XXXX XXXX will give the payment to XXXX XXXX XXXX ) 1. Sent Amount : {$100.00} iii. Recipient : XXXX ( email : XXXX ) 1. Sent Amount : {$650.00} XXXX. Date : XX/XX/2022 a. Deposit Amount : {$1800.00} i. Recipient : XXXX XXXX ( email : XXXX ) 1. Sent Amount : {$1500.00} ii. Recipient : XXXX XXXX ( email : XXXX ) 1. Sent Amount : {$200.00} ( Sent on : XX/XX/2022 ) 4. Date : XX/XX/2022 a. Deposit Amount : {$890.00} i. Recipient : XXXX XXXX ( email : XXXX ) 1. Sent Amount : {$890.00} I would like to receive help with the following questions and concerning. I have tried to request aid with these issues from my financial institution but have had no luck in addressing my needs. I would appreciate it if someone could let me know what I should do next to receive aid concerning these matters. The following are my questions and needed answers : Question & Needed Answers : 1. Can someone tell me what else can I do about these fraudulent activities, and this identify theft situation that I am going through, currently? 
2. How can I report XXXX XXXX XXXX as a scammer? 
3. Do I need to inform the U.S. embassy of XXXX about this soldier actions?

4. What can I do if my financial institution refuses to provide me with information concerning my deactivated bank accounts? 
5. Shouldnt I receive a full final financial statement from my financial institution?

6. When a bank account becomes deactivated, how can I find out what transactions were made?

7. How can I receive a copy of my financial statements, if my financial institution refuses to provide me with them because of deactivated bank accounts?

Company response to consumer: Closed with explanation