Consumer complaint received 2023-09-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX, a XXXX student studying in XXXX, the United States. On XX/XX/XXXX, I received a call claiming to be from the XXXX consulate in XXXX XXXX. The callers name was XXXX XXXX, accurately providing my personal information. The caller said that a woman named " XXXX XXXX '' was apprehended at XXXX XXXX XXXX XXXX attempting to exit the country with a forged passport in my name. I was urged to file a report and obtain an official report receipt ; otherwise, the use of my passport would be compromised. The call was then redirected to a purported " XXXX Police Department '' number, which I verified online to be an official number. Believing the situation to be genuine, I cooperated and was guided through an online oral statement, resulting in the issuance of a " police report receipt. '' ( The following contacts with them were mostly done by XXXX and XXXX. ) According to the " XXXX, '' my identity was misused, implicating him in a significant transnational telecom fraud case. The U.S. authorities were allegedly investigating the case. The fraudsters claimed to have discovered a debit card registered in my name within the fraud group 's location. Consequently, I became a suspect in the case and could potentially be arrested by the FBI. The " XXXX '' emphasized the confidentiality of the investigation and instructed me not to disclose any information to anybody, assuring that this cooperation would clear my suspect in due time. They asked me to contact them ( video chat ) using XXXX, XXXX all time ( XXXX ) and should not stop and I followed their instructions. 

Earlier this month, they asked me to send XXXXXXXX XXXX to XXXX XXXX XXXX XXXX XXXX bank account so that they can help me write a statement claiming that I am innocent or else I will be caught by the FBI. Later, my parents and my parents friend and relatives wired me XXXX XXXX within a week ( XX/XX/XXXX to XX/XX/XXXX ). On XX/XX/XXXX, they directed me to go to the local chase branch to wire this XXXX USD to their accounts. Then the transfer got cancelled and my accounts were closed by Chase because Chase believes these transactions to be suspicious. Chase will send the rest of the money in my accounts to me in check. 

Although I did not lose any money in this fraud, I lost my Chase bank accounts and my identity was frauded by the scammers ( they asked me to provide a lot of my IDs ). I immediately went back to the XXXX the day I realized I was scammed ( XX/XX/XXXX ) and asked if a banker if they could help me recall the wire transfer. But after 10 days of review process, Chase closed my accounts. Moreover, I was really depressed and feeling helpless because of this fraud. The fraud lasted about XXXX weeks and I kept in touch with the fraudster XX/XX/24. I have loads of screenshots and I kept my history chats with them ( XXXX ), although I have deleted history chats on XXXX. 

XXXX XXXX XXXX in XXXX XXXX name : XXXX XXXX XXXX who contacted me in the very first place using phone number XXXX, and the number got redirected to XXXX ) XXXX Police Officerss name : XXXX XXXX Police XXXX ( then the number got redirected to XXXX and then got switched to XXXX and XXXX ) XXXX XXXX XXXX XXXX XXXX Registered XXXX : XXXX ) XXXX Attorney General name : XXXX XXXX XXXX who XXXX me to go to the local Chase branch and provided me the recipient account ) ( XXXX Registered XXXX : XXXX ) Recipient name : XXXX XXXX XXXX XXXX for your prompt attention to this matter. I trust that your expertise and dedication to upholding the law will assist in the resolution of this case. I am available for any further inquiries or assistance that may aid in the investigation.

Company response to consumer: Closed with explanation