Consumer complaint received 2023-03-03
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX I was scammed/Fraud by receiving a text message from Chase bank stating : Chase bank alert XXXX Did you use your card at a XXXX supercenter on XX/XX/XXXX for {$270.00}? Reply : yes, no or Txt stop to opt-out. 
I texted : which card? 
I then received a message stating : Chase Bank : Thank you we will be placing a call shortly.. 
I received the call and we addressed the XXXX issue and then the problem started. 
{$190.00} in several increments were being withdrawn from my account and I can see it! 
The so-called chase fraudulent department was on the phone with me as my money was being transferred to my XXXX contacts. 
The so-called chase agent asked me if I knew the people that it was being transferred to. I said yes. 
He then asked me to contact them and see if they would transfer the money back. 
We did that and I received text messages. 

XXXX XXXX  XXXX WON'T CALL for this XXXX code, Enter : XXXX. Don't share! Reply HELP for help, STOP to end msgs. Msg & Data rates apply. 
Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1.00}. We'll deposit this Send Money with XXXX payment to your XXXX XXXX account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. 
Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1900.00}. We'll deposit this Send Money with XXXX payment to your XXXX XXXX account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. 
Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$2000.00}. " Refund to XXXX ... '' We'll deposit this Send Money with XXXX payment to your XXXX XXXX  account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. 
Here is a copy of the first text messages. 
CHASE BANK ALERT : DID YOU USE YOUR CARD AT AN XXXX XXXX* on XX/XX/XXXX for {$270.00}? Reply : Yes, No or Txt STOP to opt-out. 
CHASE BANK : THANK YOU WE WILL BE PLACING A CALL SHORTLY.. 

The problem is that the money never came to my account.

So I contacted chase fraudulent department and stated that. The fraudulent agent said that no one had filed a claim so she created one. 
I then saw the money come back to my account but it was pending. 
This occurred on XX/XX/XXXX. 
Then it started reversing out of my account. 
I contacted the fraudulent department again and they told me that they did not see any fraudulent transactions and that they could not assist me with it because it came from my device ( cell phone ) with me opening it up with my face recognition. 
I asked why they didnt stop those unauthorized transactions? I informed them that I have been dealing with Chase for a very long time and there is no indication that I would have authorize a series of {$190.00} increments in the same day anywhere that should have been a red flag. 
I then went to XXXX different branches for assistance and yesterday the agent in the branch found out that I was scammed/fraud and tried to get the fraudulent department to open my case and add her findings and they declined her request!

Company response to consumer: Closed with explanation