Consumer complaint received 2019-01-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX talked to a guy on XXXX about purchasing car parts worth {$480.00}. He sent me images of the parts and we formed a friendship talking about our cars. I agree and pay him the amount of {$480.00} for a XXXX XXXX XXXX and XXXX XXXX XXXX. He then creates a XXXX shipping label to prove he would mail it. 

XX/XX/XXXX He intended on using XXXX to do the transaction. He gave me his email address in XXXX, but the transaction failed and so he gave me another email to try. This also failed so we then use this app called XXXX and tried sending a small amount to see if it would go through. This works but bigger payments did not. Me being someone of integrity i thought we should use quickpay because its fast, secure and easy. I felt that since he had a XXXX receipt which shows he sent the package, i had to give him his money. We then used his girlfriends quickpay account. She accepted the payment and i was expected to receive the parts. 

XX/XX/XXXX package was scheduled to arrive but it seems that he never dropped off the package, but kept advising me he did and would talk to management about the issue. 

XX/XX/XXXX continuation of him giving me excuses about how the item is at the warehouse of a XXXX near my house. I check to see if its there, it is not so i ask for a refund and he agrees to refund me. 

XX/XX/XXXX he says that his girlfriend will refund me via quickpay. Days go by and still no payments sent from her so he opted to use XXXX to refund me. Same thing, no payments received. 

XX/XX/XXXX he claims that he will do a direct deposit into my account via account number. This doesnt work either. 

XXXX he claimed to have bought 2 money orders in the form of {$400.00} and {$80.00}. However upon checking the moneyorders, they turned out to be cashed in since early XXXX. He then tells me they probably gave him a fake one and that he should be receiving a refund from them and uses his friends quickpay to pay me back. He gave me his name and address. 

XXXX i sent a quickpay request to his friend and he sent me an image that stated his friend had used XXXX to send me the funds. No notifications or payments received. 

XX/XX/XXXX I contact chase because i become very suspicious about this guy. 

XX/XX/XXXX I fly to XXXX XXXX for a trip and this is where XXXX claims to be selling the part. We arrange for a time and place to meet so he can hand deliver me cash. He gave me the address to a XXXX and a time to meet but once i got there at that time and waited XXXX minutes, he never showed up. 

XX/XX/XXXX I continue to message him about my refund and why he never showed up. This is when he stops replying completely. I contact my bank to let them know that this is absolutely fraud because i was never promised the parts that i bought. 

XX/XX/XXXX I see that he is reposting the parts he sold to me which confirms he legitamately did not intend to sell me the part, and insists on scamming other people. This time he uses a different number and different name. I make a fake account with a different phone number using XXXX and contacted him about the parts he was selling. He gave me the exact email address that I sent money to via quickpay. This 100 % confirms my suspicions that He is scamming me. I confront him with my real number and he deletes the post but reposts again shortly after. His girlfriends bank is XXXX    XXXX XXXX. 

XX/XX/XXXX i contact chase again to let them know that this is absolute fraud and they said it would take 10 business days to review the case. 

XX/XX/XXXX i receive a mail from chase saying that they closed the claim as I authorized the payment. Although i did, i feel that this isnt right and that chase should pursue this case further. I believed quickpay would have some form of protection since it is from my bank. I was under the impression that my bank would try their best to help me. I have decided to come here to voice my concerns and see if i could get some further assistance. I have all documentation and everything to show that this guy clearly scammed me. I thought i could trust him because he sent me images, receipts, and emails, but at the end they were all fake. I just want to get my money back one way or another. Chase clearly does not want to help me in this case. CFPB or someone, please help me!

Company response to consumer: Closed with explanation