Consumer complaint received 2022-09-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I got an " invoice '' for the XXXX XXXX that said the $ had already been withdrawn from my bank account. If I wanted a refund, I was to contact a number on the invoice. When I called the listed number to cancel, the operator was rude so I hung up. I looked up XXXX XXXX XXXX on XXXX and called a different number. There, I was told that the refund would be credited to my account if I would let a technician walk me through the process. At that point, a XXXX screen appeared, much like the one that appears when legitimate assistance is being offered. I was instructed to input information, including name, address, amount to be refunded ( {$340.00} ). Then I was told that, because I had entered a comma instead of a period, over {$8000.00} U.S. would be withdrawn from their account. Meanwhile, I'm angry. The " techie '' tells me that he will be fired for not picking up my error, asks me to send the $ back to them ( it appeared to have actually been deposited into my account, momentarily ( I think from XXXXXXXX XXXX ). I will need to send the $ to an individual, not the company. They also tell me that, as I'm such a nice lady, they will give me {$500.00}. I tell them I am not interested in the XXXX merely in getting this resolved. I am given specific instructions, including that I am to tell the teller that this is going to a " friend '' who has some sort of medical condition. The first account was to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX code : XXXX XXXX code : XXXX. I do as suggested, all the while with the " supervisor '' on the phone, though silent. I am told to leave the computer on. In the morning I am told that the transaction did not go through ( though momentarily I had seen the $ disappear from my account ). This day I am told that I will get a reward of {$1000.00} but must return to another branch to send the . I report this to the bank ( Chase ) and begin an investigation. Though I may not get the $ back, I continue with the scam. This time I receive a text on my phone saying to send the $ to the same bank in the name of XXXX XXXX XXXX, account no. XXXX, XXXX XXXX : XXXX XXXX branch code XXXX. Bank address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX Account holder address : XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
I went through all of the processes Chase recommended, including reporting to a number of departments, uninstalling XXXX and installing XXXX XXXX. I also had to upgrade to a stronger security system for my phone, as it too had been hacked. 
FDIC recommended contacting the Attorney Generals ' office, who recommended the FBI, whose site said it would take months and if there was an immediate problem to contact my local precinct. I did this and was given instructions for the local Chase branch to complete in an affidavit. The local branch was having a pizza party and the manager referred me to a teller who told me they didn't have a notary ( which was OK ) and that she did not recognize the " form ''. I was told that since the " form '' wasn't on the computer they could not complete the requirements. She handed me a list of transactions and a balance summary, but no affidavit. When I returned to the local precinct police personnel, including the detective who was going to help me, laughed, saying that other banks and branches completed the same process with no problem. I gave up.

Company response to consumer: Closed with explanation