Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I am appealing Chase Bank decision on XX/XX/XXXX. Case # XXXX. 
The decision and argument were heartbroken for me who is devastated by the scam loss. 

I strongly disagree Chase Banks decision due to the facts these wire transfers were authorized unknowingly under a fraudulent theft scheme. Its a wire fraud.The customer, I believed I was sending my money to invest for a profit and blindly fell into a scam trap manipulated by the scammer I met online whom I blindly trusted and believed She was giving me an investment opportunity. I was skillfully duped to wire my money to different services providers domestically/internationally the scammers customer service provided to me. 
The reason to send my money to service providers instead of the exchange platform was this Exchange was a crypto currency trading platform and was only accepting crypto currencies not US dollars. I needed to exchange my US dollars to USDT- an equivalent of cash for crypto currency and the services providers for the Exchange would do that for me. In order to avoid the suspicious by the bank, all wire transfers were instructed for the purpose of Goods or Contracts or personal use ( Chase argued there were no signs of fraud and purposes of payment for personal uses ). 
Chase ignored the fact. Its a scam. the authorized process was under a fraudulent scheme. 
I was totally swindled and scammed to blindly follow the scammers instructions to send out those funds from my Checking account. 
This investment theft scam was discovered on XX/XX/XXXX, after my withdrawing was blocked. All the money once left my bank accounts were stolen and gone. The deposited balance on my account on that Exchange Platform were just faked balance number. 

The case is reported to XXXX and now its under the investigation of XXXX XXXX XXXX XXXX XXXX ( police report # is XXXX ) It also reported to Law Enforcement agencies -FBI , USSS , FTC , OCC .

I understand the position Chase is standing for and argued about the customer authorization. But as a victim that suffered a big loss ( $ XXXX ). And all the transactions were obviously fraudulent and had many suspicious activities such as wiring out such a big amount and in such a short period of time repeatedly. 
On XX/XX/XXXX, there was a wire transfer of {$50000.00} failed to deliver. ( scammers receiving account didnt receive it ), their customer service contacted me to tell Chase to recall this wire fund and resend it after it came back to my account. I wired it out again on the same day the recalled money deposited to my account on XX/XX/XXXX. There was no warning and alerts from Chase fraud protection department before releasing that {$50000.00} that just deposited on same day on XX/XX/XXXX. 

In short, I was a victim of wire fraud scam. I did not know its a scam. The authorizations were not legitimate. Chase bears the responsibility of negligence. It should contact the Law Enforcement that is investigating my case to verify the scam. Chase also needs to provide me details of their wire recalls, especially on the receiving accounts. If my wire transfers were proven to be scam, Chase should protect and reimburse me from their fraud protection insurance. 
But Chase just choose ignoring my request and stopped to further investigate the case. There was no phone call from Chase Executives Office to me to discuss the details during their investigation process requested by OCC.

Chase on XX/XX/XXXX, mailed me a letter which just pushed away their responsibility and claimed theres no error on their side and transfers were authorized by me. Theres no mention about wire fraud and scam and there was no mention about any inquiry to Law Enforcement about my complaint. 

I am XXXX XXXX XXXX and lost my life time savings and retirement money from this scam. I can not afford to hire a lawyer to help me. 
I already filed reports in law enforcement agencies. I hope the CFPB and FDIC will make an investigation on this wire fraud and have an third party reviewing the case and contact Law Enforcement for further investigation information about this scam. 
Below is contact information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX