Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint regarding Chase Bank 's refusal to investigate or reimburse {$610.00} that I lost to an elaborate fraud scheme conducted through XXXX between XXXX XXXX XXXX. 

Details of the Fraud : I was contacted by what appeared to be a legitimate custom steering wheel business operating under the name " XXXX XXXX XXXX  '' with a professional website ( XXXX ) and a XXXX account with thousands of followers. The account regularly posted customer reviews and testimonials, which gave the appearance of legitimacy. After being followed by this account, I reached out via XXXX direct message to inquire about their products. 
The scammer, who identified himself as " XXXX, '' directed me to continue communication on XXXX where he showed me detailed photos and videos of custom steering wheels and offered to create a product with my exact specifications ( red stitching, carbon fiber ). He quoted me a total price and requested a 40 % deposit of {$160.00}, with the remaining balance due upon delivery. 
Timeline of Fraudulent XXXX Transactions : XX/XX/XXXX : I sent {$160.00} via XXXX to " XXXX XXXX '' ( who was presented as XXXX 's wife and business partner ) for the deposit. 
XX/XX/XXXX : I was told to pay {$150.00} via XXXX to " XXXX XXXX '' for shipping and insurance fees, with assurance this would be refunded. 
XX/XX/XXXX : After being provided with tracking information through a fake delivery company called " XXXX XXXX XXXX XXXX '' ( which had its own professional-looking website with my tracking details ), I was instructed to pay an additional {$200.00} carrier insurance fee via XXXX. 
XX/XX/XXXX : I was then told I needed to pay {$100.00} to " activate '' the refund of the previous insurance payment. 

Total Loss : {$610.00} via XXXX in 4 separate transactions to 3 different recipients After each payment, the scammer provided seemingly legitimate documentation including photos of the packaged product with my name and address on a handwritten shipping label, updated tracking information on the fake courier website, and professional email correspondence from the fake delivery company. 
The sophistication of this scam became apparent when I received an email from " XXXX XXXX XXXX XXXX '' claiming that one of their employees had been caught engaging in unauthorized financial theft via XXXX and had been " apprehended. '' The scammer " XXXX '' feigned surprise at this development. When I confronted him about the scam, he immediately deleted his XXXX account and deactivated his XXXX number. I have preserved all evidence including the complete XXXX conversation, XXXX direct messages, and email chain. 
Chase Bank 's Failure to Help : I reported this fraud to Chase Bank on XX/XX/XXXX and have contacted them multiple times since. Chase has refused to : Conduct a meaningful investigation into these fraudulent XXXX transactions Provide reimbursement for the stolen funds Properly escalate my fraud claim Each time I contacted Chase, I was told that XXXX transactions can not be reversed and that they could not help me, despite the fact that I was clearly the victim of an elaborate fraud scheme involving impersonation, fake businesses, and fake delivery companies. 
Relevance to Recent CFPB Enforcement Action : I am aware that on XX/XX/XXXX, the CFPB filed a lawsuit against JPMorgan Chase ( along with XXXX  XXXX XXXX and XXXX XXXX ) for failing to properly investigate fraud complaints and provide legally required reimbursement for fraud and errors on XXXX. Chase 's handling of my case appears to be consistent with the systemic failures cited in that lawsuit. 
This was not a case of buyer 's remorse or a legitimate transaction dispute - I was the victim of a sophisticated fraud operation involving fake businesses, fake websites, fake tracking systems, and identity impersonation. Chase 's refusal to investigate or assist represents a failure to protect customers from fraud on their platform.

Company response to consumer: Closed with explanation