Consumer complaint received 2021-05-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I learned that I was the victim of a scam from a potential employer. I applied for a job on XXXX for a Data Entry position with XXXX XXXX XXXX, XXXX posted by XXXX XXXX. On XX/XX/XXXX, XXXX reached out to me and told me to contact Head HR XXXX XXXX via XXXX. I messaged back and forth with XXXX XXXX. On XX/XX/XXXX, I was informed that I received the job. At XXXX I was told I would receive a company laptop and software to do the XXXX XXXX job. Because of Covid they would have to directly give me the money to be purchased from the vender. I provided him with my full name, bank account information, and address as he requested. On XX/XX/XXXX at XXXX, XXXX reached out saying a check should be there this week. By XXXX, the check for {$8700.00} had arrived in a regular plain white envelope. It was from a XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX, NJ XXXX. At XXXX, I informed XXXX that I received the check. I then went with my uncle to the bank to deposit the check after I realized it could not be mobile deposited. Over the next two days, I was directed to make four different payments equaling the amount of the check. These were a XXXX payment to XXXX XXXX XXXX {$2900.00} XXXX, two XXXX payments to XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} + {$730.00} ), and a cash deposit into a XXXX XXXX account to XXXX XXXX XXXX XXXX {$3000.00} XXXX. 

On XX/XX/XXXX around XXXX, Chase declared the check as a fraudulent check and took {$8700.00} out of my checking and savings account. At this point, I realized I was scammed. I called my bank immediately and filed claims for the four transactions. Chase did not inform me of any such issues with the check until after the payments had been made, or when I had spoken to them on XX/XX/XXXX or XX/XX/XXXX, or that they suspected that I was being scammed. In fact, Chase cleared the check within the day. As it was such a large check, I don't understand how some actual person did not have to look at it before it was cleared. I have been a member of Chase bank for at least 5+ years and I have never had a problem before and I am extremely disappointed in how I have been treated. Chase also gave me problems filling these claims -- especially the XXXX claims. Since XX/XX/XXXX, Chase has claimed they were not responsible for recovering the stolen XXXX funds to XXXX XXXX, despite *actively promoting* this service not just only on their website, but *directly on their app* and XXXX XXXX 's account remains active. I would have never used XXXX had it not been promoted and approved by Chase. It is ridiculous that they do not have recovery rights over a service that they actively promote and that Chase has not done more to protect not just me, but other customers as well. Integrating XXXX with bank apps misrepresents the user protections beyond what a reasonable person would question. especially as this is not KNOWN to the user, in this case, me. 

In addition, Chase has refused to do anything about the XXXX payment to XXXX XXXX either, despite her account remaining active as well. Chase has since closed these three claims and refuses to do anything to assist me further. They DO, however, still have the withdrawal ( and subsequent deposit to the XXXX XXXX account open ) and I have since sent them all evidence of this scam. I have also reported the scam to the FTC and the NY Attorney General. I will be filing a police report when I come back to XXXX XXXX from XXXX on XX/XX/XXXX. This, however, does not solve Chase 's disregard for my funds and their lack of assistance and negligence.

Company response to consumer: Closed with explanation