Consumer complaint received 2023-03-04
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
HELLO, MY NAME IS XXXX XXXX. 

CHASE Bank THE FOLLOWING IS BEING REPORTED TO XXXX XXXX : CHECKING ACCOUNT FRAUD CLOSED FOR CAUSE PLEASE help direct me or help me get removed from XXXX XXXX XXXX. Please The incident date on the report says XXXX but that is also incorrect. This has happened in XXXX. 
I was a victim of a scam which caused me to be reported to XXXX XXXX XXXX due to something I had no knowledge of. 
I was offered a position as a XXXX  through XXXX. I was hired and, he wanted me to start immediately. ( I had already did prescreening before interview ) I was assigned to an XXXX XXXX named XXXX, I was working with her over this period of time. Then payday comes, I was paid in form of check because he stated they don't offer direct deposit. I deposited the CHECKS into my accounts XXXX XXXXXXXX, XXXX, and chase, ( I had three accounts at the same time, I used all accounts. with no knowledge that the checks was fraudulent. This was BEFORE I started working for XXXX XXXXXXXX, which I had no knowledge of what counterfeits check look like. Couple days passed by, I already been trying to contact him because I was needed to drop off my time card but the office was empty which was unusual, after days of making the deposits into my accounts, the check came back fraud and the bank ended the banking relationship ON ALL MY ACCOUNTS. Now I NEVER tried to access any of the funds, never tried to get any money out and once I heard from y'all, I kept trying to contact him which his phone started to give me the disconnect notice, then that's when everything started to come together. I kept wondering why would he disappear and how could a business just vanish after days? Right BEFORE each check was kicked back. So I called and explain everything that went on with each bank. they told me I have the option to file a police report because I technically didn't get paid for my services as well, so I called and made a police report, not much they could do at the time with little information. So months and months went by, I got a call from my local sheriffs office that an arrest was made for him, after he was charged with embezzlement and counterfeiting. They had been put a warrant out for his arrest prior to the police report. I have attached everything I could possibly use to show you guys. I have paid off my balances on ALL 3 accounts. So what I'm really asking here is can we re investigate into this and hopefully turn around the decision, please help me because this has effected me terribly and it hurts to put in this situation when I had no knowledge of what this guy was up to. Apparently he had been stealing the XXXX  people checks and laminating them and changing the name to who it will be payable too. I have attached the arrest form, the official police report, the statement I made, and proof from the sheriffs office that he was arrested and for what. Please help me get this negative information removed from XXXX XXXX XXXX. I will be very careful next time what to put into my account! This is devastating. 
, I never tried to even access any of the funds. I was just hoping with this information I have now, it can help. I know you guys probably get a lot of this all the time from people saying they didn't know but seriously, I had no idea. Please look into this carefully, and please give me the benefit of the doubt, please please help. I'm really begging you. Whoever is reading this message, god bless you. I HAVE ALSO PAID THIS ACCOUNT IN FULL. PLEASE RE CONSIDER. THANKS YOU! GOD BLESS YOU!

Company response to consumer: Closed with explanation