Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

On or about XX/XX/XXXX, I was telephonically introduced to XXXX XXXX by my boat Broker, XXXX XXXX ( who can be reached at ( XXXX ) XXXX ). XX/XX/XXXX, I received an estimate of repairs from Happy XXXX 's XXXX based out of XXXX, MD, which was sent to my friend XXXX XXXX ( who can be reached at ( XXXX ) XXXX. Total labor was estimated at {$3500.00} and parts around {$1800.00}. XXXX wrote on the estimate that a down payment of {$1800.00} would be required to begin work. On XX/XX/XXXX, I transferred {$1800.00} to XXXX XXXX XXXX using my Chase Bank Application on my cell phone. XXXX later demanded {$3000.00} to get started, and then later declared it was {$4000.00} ( I have the texts ). The following additional transfers were made to XXXX upon request to continue the boat repairs in response to his specific demands. XX/XX/XXXX ( {$1200.00} ) ; XX/XX/XXXX ( {$500.00} ) ; XX/XX/XXXX ( {$2000.00} ) ; XX/XX/XXXX ( {$2000.00} ) ; XX/XX/XXXX ( {$900.00} ) ; XX/XX/XXXX ( {$900.00} ). Each of these transfers was made in response to his demand for money on or about those dates, made during a telephone call or via a text message to my cell phone, and was sent using a wire through XXXX on my Chase mobile banking phone application while I was resident and situated in the state of Washington. On XX/XX/XXXX, XXXX demanded another {$800.00} from me in person while I was on my boat in Maryland checking the progress. I told him I could not get the entire amount right away, as I would need to make some transfers and I transferred what I could to him, which was {$500.00}, whith a promise to pay the remaining {$300.00} next week. He said that would be fine. On XX/XX/XXXX, XXXX demanded an additional {$300.00} and I did not pay him. His text message to me was alarming after I bought him lunch the day prior, and his response the following evening at approximately XXXX was " No I don't want nothing to eat but dam {$300.00} will be nice. '' This caused me to look into things further, and I discovered elements of suspected fraud. I demanded an accounting on XX/XX/XXXX, again, which has not been produced. XXXX was to replace the manifolds and risers on both engines of my XXXX XXXX XXXX XXXX. On XX/XX/XXXX, he admitted in front of my Boat Broker ( XXXX XXXX ) that he had only been working on my Starboard engine and had not even touched the Port Engine. To date, XXXX XXXX 's XXXX has taken over {$9800.00} from me, and is demanding another {$300.00}. I have requested XXXX XXXX 's time records and materials costs expended to date, along with a description of the work completed. Despite several requests, XXXX XXXX has not produced the records requested, and my manifolds and risers are still sitting on the back deck of my boat in the weather, where they were a month ago when I went to check on the progress. I was promised that the boat would be ready by XX/XX/XXXX ( originally I had a liveaboard tenant, but now can not reasonably lease the vessel in its current condition because the air conditioning/heating units are not working despite his representation that he had fixed both of them ). I am also incurring transient fees at my current slip, as I had planned to move to a new XXXX on XX/XX/XXXX, but the boat is inoperable in its current condition. I need help to bring charges under Maryland XXXX XXXX for fraud and violation of the state UDAP statute. To date, I have obtained the names and contact information for XXXX ( XXXX ) other potential Plaintiffs who have been victimized by this XXXX scheme as well, including XXXX XXXX ( XXXX / Tel : ( XXXX ) XXXX ) ; XXXX ( XXXX ) XXXX ; and XXXX " XXXX '' my boat diver ( XXXX ) XXXX. All three of these individuals have agreed to cooperate in any investigation of XXXX XXXX 's unlawful and deceptive acts and practices in the course of his trade. At all relevant times to this matter, I was a resident of the state of Washington and my boat situated in the state of Maryland. I am now moving to XXXX, Virginia to accept a job, and my boat is still situated at XXXX XXXX XXXX in XXXX, Maryland. I believe Federal jurisdiction may apply to this man 's course of dealing and trade. In the course of conducting his business, XXXX XXXX intentionally misrepresented and omitted material facts about the goods and services, and in reliance on those misrepresentations I have suffered damages. I tried to file a fraud report with my bank at Chase on the morning of XX/XX/XXXX, and the Chase Bank agent laughed at and hung up on me.