Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is a copy of the formal notice sent to JP Morgan Chase bank ( receiving bank of fraudulent wire ) : Per our phone conversation today, XX/XX/year>, a case was created for the fraud being conducted by an account holder of JP Morgan Chase Bank. The following documentation of the wire transfer and the return wire transfer request is attached - {$33000.00} on XX/XX/year>. Per my initial phone call on XX/XX/year> - I notified JP Morgan Chase of the fraudulent actions on behalf of XXXX of their account holders and was informed that the account had been closed per an internal fraud report and the funds were currently placed on hold. I was instructed to have my bank issue a reverse wire transfer request with the reason of fraud to be listed and the funds would be returned. We complied with this request ( attached ) and the only response was that the account was closed. I spoke with numerous unhelpful parties at JP Morgan today and finally received assistance from XXXX XXXX who was unable, per management, to provide me with the case ID, but was able to put a formal case in place for this request to ensure the funds remained held until returned and notice of potential litigation. JP Morgan Chase Account Holder | Fraudulent Beneficiary Information Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 I am submitting this formal written notice regarding a wire fraud transaction involving XXXX of your account holders. This letter serves as a demand for immediate action and a litigation-hold directive. Immediate Hold on Funds and Freeze of Associated Account ( s ) I am demanding that the bank immediately place a hold on all funds associated with the fraudulent wire transaction and freeze the receiving account ( s ) to prevent further dissipation or transfer of the funds. You are on notice that failure to take reasonable steps to prevent further loss could constitute a breach of your obligations under applicable federal regulations, including Regulation E, the Bank Secrecy Act, and your own internal fraud-prevention duties. This notice constitutes a formal demand under UCC Article 4A that JP Morgan Chase initiate all required actions to recall, return, and/or interdict the fraudulent transfer, including coordination with the receiving branch and any intermediary institutions. Preservation of All Evidence ( Litigation Hold ) You are hereby instructed to retain and preserve all records relevant to this matter, including but not limited to : This constitutes a formal legal notice of anticipated litigation. Please ensure that all such data is protected from deletion under any standard retention-purge schedules. All account statements, ledgers, inbound/outbound wire logs, and transfer histories ; All internal fraud-investigation notes, case files, and escalation tickets ; All KYC/AML documentation associated with both the sender and recipient accounts ; All phone call recordings, call logs, written notes, chat transcripts, and customer-service communications regarding this issue ; All internal communications ( emails, memos, system messages ) concerning the transaction. Request for Immediate Disclosure of Records Pursuant to federal consumer-protection standards, I demand copies of the following : All documents and data pertaining to the transaction, including wire transfer details, originator/beneficiary information, timestamps, and system approval logs ; The banks internal fraud investigation report, including findings, timelines, system screenshots ( if available ), and actions taken both pre- and post-notification ; Any SAR-related disclosures that you are legally able to provide ( acknowledging you can not disclose SAR filings themselves ). You are directed to escalate this matter immediately to your BSA/AML Fraud Unit for interdiction under the banks obligations pursuant to the Bank Secrecy Act and your Federal Regulator ( OCC ) standards. Please confirm in writing whether any portion of the wired funds remain in the receiving account or any related accounts, whether they have been moved, and the date and time of any outflow, if applicable. Notice of Potential Legal Action This notification places the bank on formal notice that I am evaluating potential legal remedies. Your immediate cooperation, transparency, and compliance with evidence-preservation obligations will be necessary to avoid claims of spoliation, negligence, or breach of fiduciary duty. This letter/email also places JP Morgan Chase on notice that your account holders conduct may trigger review of your XXXX XXXX, and AML procedures XXXX and that your handling of this matter will be examined for potential negligent enablement of fraud. Please provide written confirmation within XXXX hours that : All funds and accounts associated with the transaction are placed on hold, All evidence and communications are preserved, and My request for documentation is being processed. Non-Waiver : Nothing in this correspondence should be interpreted as a waiver of any rights, remedies, claims, or causes of action available to me under federal or state law, UCC Article 4A, or common law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attachments : Wire Transfer Receipt Return Wire Request Return Wire Denial __________________________ To date JP Morgan refusing to assist us or communicate with our bank. They have not responded to the formal notice.

Company response to consumer: Closed with explanation