Consumer complaint received 2018-02-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We posted item [ s ] for sale on XXXX XXXX  and other websites. Someone interested in buying the same. We have told that it costs {$120.00} and transfer the same to our account. I have shared email id of my bank account. I have told that item will be shipped after receiving the amount. they have called nextday and told that by mistake t they transferred XXXX instead of XXXX on XX/XX/XXXX I have checked my bank account and i can see amount for {$1200.00}. i have decided to send money back and took his email id. i have transferred the money of {$1100.00} ( using XXXX through XXXX XXXX XXXX ). They told that it went to their old/closed account and they said that have called XXXX and sent money back to my account. I have checked my bank account and i saw credit of {$1100.00}. He asked me to transfer to his other email id since first transfer didnt work. I did the same. Second time he told money didnt go through since his account locked due to low balance. He told that he called XXXX and cancel the same. I saw second credit of {$1100.00}. He asked me to transfer {$1100.00} this time to his sister account. I tried to transfer the same from XXXX XXXX XXXX and failed sine max limit per day exceeded. I have used my Chase to transfer the amount. On XX/XX/XXXX he told that he is able to unlock account and as part of initial transfer he accidentally transferred twice and that got processed after unlock I have checked my bank account and can see credit of {$1200.00}. I have decided to send it back so sent to his email id. He again told that somehow money went to his old/closed account and his account is locked again. He told that he called XXXX and cancelled the same and he requested me to transfer the excess amount so that he can unlock his account. This time i have transferred {$1200.00} to his another sister account from my chase account and waiting for credit from XXXX. After sometime he told that he is able to unlock and issue resolved. He told that money will come by EOD. 

From this point he is not reachable. Not able to call/text. Next day surprisingly all the credits were not appearing and when i checked with Bank, they said they dont see of those credits and they told someone called 2 days back and ( on the day of my first transfer ) submitted Claims ( pretending that they are unable to deposit amount in ATM ) using my personal details and questions. Bank confirmed that there are total 3 claims created ( XXXX,XXXX,XXXX amounts ) and due to this i saw those credits. Bank provided me those claim numbers as well. Bank also told that he might have cancelled his transfer and thats why credit got reversed. I have told bank that i didnt create those and they said my personal details would have been compromised, XXXX  XXXX XXXX cancelled all those claims and debited the amount from my account. I have explained the situation to the bank ( XXXX XXXX XXXX ) and they created claim and investigating the same. 

I have visited Chase Bank and explained the situation and requested to cancel/dispute transactions. They said that nothing can be done from their side since i have transferred. I have told that i am victim of this scam but they said nothing can be done. 

Attaching all transactions made by me and couple of screenshots shared by other person confirming that money went to his old XXXX XXXX account instead of XXXX  XXXX XXXX account.

Company response to consumer: Closed with explanation