Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Date : XX/XX/year> To : Chase XXXX Department, I am writing to formally dispute a XXXX transaction and request a full reimbursement for funds lost as part of a sophisticated fraud scheme that I fell victim to. 

On XX/XX/year>, I sent {$18000.00} via XXXX to XXXX XXXX believing I was investing with a legitimate holding/investment company. The individual ( s ) I communicated with posed convincingly as representatives of XXXX XXXX XXXX and provided me with documentation, web links, and contact methods that appeared authentic. 

While I technically authorized the transaction, it was done under fraudulent pretenses and without full knowledge of the scam at the time. As soon as I realized I had been defrauded, I contacted Chase to report the incident right away.

I believe Chase failed to act in accordance with industry standards and consumer protection expectations by not flagging or intercepting a highly suspicious transaction. The XXXX payment I made displayed multiple red flags, including : Unusually large/uncharacteristic amount. 

A first-time recipient. 

Association with a known scam pattern ( investment impersonation fraud ). 

XXXX and the financial industry have long been aware of these scams, and I believe Chase had a responsibility to detect and act upon these patterns to protect me. 

In light of the growing scrutiny from regulators, including the CFPB and the New York Attorney General, I request that Chase reopen my claim and issue a full reimbursement. 

I have also reported this fraud to the FTC, IC3, and the CFPB, and I am including any relevant case numbers or documentation upon request. 

Thank you for your time and attention to this matter. I expect a full reconsideration of my case and am willing to cooperate further if needed. 




To : CFPB I was the victim of a scam involving a person impersonating a legitimate investment/holding company. I was misled into believing I was sending a XXXX payment as part of a valid investment. The scammers posed as professional representatives and used fraudulent materials to gain my trust. 

On XX/XX/year>, I sent $ XXXX to a XXXX recipient who turned out to be part of the scam. I authorized the transaction under false pretenses, not realizing it was fraud. 

Chase denied my claim on the grounds that the transaction was authorized. However, I believe Chase failed to exercise its duty to detect and prevent fraud. The transaction exhibited clear red flags : it was an unusually large amount, sent to a first-time recipient, and aligned with a well-documented scam pattern ( investment impersonation ). 

I am requesting that the CFPB investigate this matter and ask Chase to reconsider its decision based on their failure to prevent obvious fraud indicators. 

I am happy to provide any supporting documentation upon request. 

Chase claim number that was given to me : XXXX FTC Report : XXXX IC3 : Good morning XXXX, here is Submission ID : XXXX Yes, our regular plans will appear on the platforform by the end of this week.

Company response to consumer: Closed with explanation