Consumer complaint received 2019-01-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking for an XXXX XXXX to purchase on XXXX and stumbled upon one being offered for {$330.00}. The description of the phone advised to message the seller so i did. She said that the transaction would not process through the app, and from experience that has happened, and she told me to message her on XXXX @ XXXX. I messaged her asking for details about the phone and she asked when i was planning on purchasing and i said could i purchase now and she asked if i had a cash app and i said XXXX. I was skeptical and worried and asked to try to buy through the app, she said the app isn't working and that it'll just refund me and asserted me that she will send confirmation shortly after she ships. She send me her phone number for XXXX  : XXXX and i sent her the money. I waited for the confirmation until wednesday when i started to become suspicious and at the time the payment was still processing. I could've stopped it through chase at the time since it was still pending, but when i messaged her saying " you know the money 's going to transfer out of your account right? '' ( because it is fraud ) she asserted me and replied " IVE SHIPPED OMG '' and i apologized for startling her and said " i just need to know i can trust you. '' Later that night at XXXX  of the XXXX she sent a screenshot of the confirmation from XXXX stating the package information of 1.67 lbs package from XXXX, XXXX, US to XXXX where I live and it stated it would arrive by Monday night on the XXXX. I waited until Monday night and it never arrived and I messaged her asking for updates on the shipping and she never replied. That night I looked at the confirmation more thoroughly and realized that it wouldn't make sense for the package to weigh 1.67 lbs as XXXX   only weigh a few ounces and could only be 1 lb max. I messaged her claiming it has to be a scam and im calling chase tomorrow and she blocked me. Realizing i've just been scammed for {$330.00}, pretty much all the money i have. I waited until i had time on Wednesday the XXXX, yesterday morning to call Chase and spent two hours on the phone trying to settle the scam, but Chase continued to turn me down claiming it's a XXXX  and authorized and they can't do anything about it and that my claim would be closed. On XXXX when someone blocks you the messages disappear so I couldn't screenshot the messages at the time. I messaged her on another account frustrated telling her i'm a XXXX  and begging her to send the money back and she said " chill '' and told me to accept my follow on my other account she blocked me on and that " i'll give it back because i was in college once '' and i said thank you for understanding. Then after i accepted her follow, she continued with " you don't need the money you have a phone '' trying to justify herself scamming me. I apologized saying sorry for being XXXX  as i felt very XXXX and asked to please return now and she replied with " it's my fault lol '' and " i'm very sorry i want to send the money back but i don't know how to. '' Then she claimed she used her friends XXXX and that they never gave her the money so i asked " is your friend scamming you? '' and she said " yes '' and she said " i will get your money back, '' " i will try '' and she never did. Then today, I went to Chase and opened the messages to show the representative, and as it shows that i am active, she ended up blocking me on both accounts and probably deleted her account because i can't look her up anymore. This was completely a scam and I wish I was more careful. I thought Chase could recover and correct frauds but when i went today they said also the same as they did on the phone and they didn't look at the evidence i had to provide and just said all they can do is try to process a recovery, but the seller deserves to be punished and the money should be taken out of her account to be returned to me, not some recovery fund that i'm doubtful will even process because they didn't care to look at any evidence. Justice should be served and she doesn't deserve the money and she really feels entited claiming she needs it more and that justifies her scamming me. It's not okay!! Please fix this for me. It will never happen again I have learned and I will advise others regarding XXXX   when processing a transaction like I have. She knew what she was doing!! She's so sure she'll get away with it ... Please tell me you can reverse this scam and settle it back to where everything rightfully belongs. She blocked me on both as of today and I can't check her messages anymore as they've disappeared. The screenshots i have are all i have, but please the messages make it very clear it's a scam ... please ... she even admits to it. I never got the XXXX  and she has run with my money i don't know how else to contact her!!

Company response to consumer: Closed with explanation