Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I am a victim of a cheque deposit and bank/check card transfer fraud incident that happened on XX/XX/XXXX. 
On XX/XX/year>, I received an email on my school email account ( XXXX ) from a person using the school account ( XXXX ), introducing himself as the Professor and an agency for the XXXX XXXX XXXX XXXX XXXX ( XXXX ). He asked if I would like to volunteer at their organization. My main job included the following : - To receive health/medical supplies or donations from our donors across United States XXXX 
- To help purchase a list of items from any retailers. 
- To deliver items to the assigned students/educational workers with XXXX and foster care giving. 
- To send donations to the assigned students/educational workers with disabilities. 
After accepting the job offer, I completed two " tasks '' that involved transfer of money. Both cases followed the order of : " XXXX XXXX '' sends me a signed cheque via email -- > I make the deposit online to my bank account using my Chase bank app -- > I send the deposit receipt to " XXXX XXXX '' -- > I send a designated amount of money to the " disabled students in need '' using either Chase wire or an app called XXXX XXXX 
The first cheque that I deposited got through and I checked the amount of XXXX dollars on my CHASE bank account. ( I believe here CHASE is responsible because they didn't have a strong identification system and just believed the cheque to be authentic -- it was also the main reason why I trusted this Professor. ) So I proceeded with my task of wiring the money to a person named XXXX XXXX. For the second task. Only after the second check deposit, Chase was able to find out that the check was fraudulent, and I still wouldn't have been able to find this out had I not called the bank myself on XX/XX/XXXX. I immediately filed a dispute to reverse the wire transfer that I made using Chase to XXXX XXXX, and Chase told me to wait for 10 days. I waited, and when I finally received a response, it was devastating. They said that they can not reverse the wire transfer because I initiated the transfer myself. They said that although they are aware that I didn't really " know '' know this, it was still by " my will '' that I sent the money to the Professor and that there's nothing they can do about this. I am so devastated about this, and I am suffering from immense psychological pain and physical pain. I had to cancel my plane ticket to visit my family and I have been working 2 jobs to pay for the XXXX and the money that I had lost because of this, but still the thought of Chase not being able to protect their own customer 's money is unacceptable. Chase is able to help people who made wrong transactions on golf wears and jewelries but they can't help people who had been scammed? I asked CHase over and over again why they can't help me, and all they said was that that was the process and that was how things were. But isn't my money somewhere in someone's bank account right now? Why can't the bank help its customer by standing on the side of justice? Do they expect me to just die? Please help me. I am so devastated. I need help. Please.