Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a call on XX/XX/year> at XXXXXXXX XXXX from XXXX XXXX ( or at least I believed it was as it was their phone number ) XXXX to inform me that they blocked a suspicious transaction from XXXX XXXX XXXX for {$1500.00}, and the employee calling me had my full debit card number and knew what my last transaction was. Given this was XXXX number and he had my information ( I did not provide ), I engaged in the conversation. I do not remember his name. I confirmed I did not make that transaction, he said they would freeze my current debit card and send a new XXXX - as well as block that transaction. 

He then asked if I had attempted a wire transfer, I told him I have never done that with my account. He said there was a pending transfer for {$2100.00} and he needed to transfer me to the wire department to ensure that was blocked also. He provided me with a case ID ( XXXX ) and a Ticket Number ( XXXX ) to reference if needed. I was passed on to someone named XXXX who said he saw the pending transfer and if this was not authorized he would need to enter the cancellation ticket using the IDs I got from the previous person. He knew the exact numbers. He said a cancellation ticket was being submitted and I would not see any money leave my account. 

I then saw {$2100.00} deducted from my account. I asked if the cancellation should do that, he said its temporary and would be refresh in the next XXXX minutes. I said thank you and hung up. XXXX minutes later I did not have my balance updated so I called XXXX ( using the number that called me ) - after being on hold for XXXX minutes ( so this is now XXXX minutes after my money was taken ) and spoke to someone who said they did not block any debit transactions, they did not call me, and they did not cancel my debit card. I informed her of the exact events and she said she would escalate this to the wire department as fraud. I asked her to freeze my debit card and was told I could go to a branch for a new one. She said the wire transfer would be investigated and since it was flagged as fraudulent they would attempt to recall it and if it was successful the funds would be returned to my account. It had already been too long to stop the transfer. She gave me a legitimate ticket number ( XXXX ) to reference. 

Apparently the XXXX ticket IDs that were provided to me by the phony XXXX  representative were the XXXX Number and account number for an account at JP Morgan Chase XXXX ( XXXX ) The wire was sent to me ( XXXX XXXX XXXX and I don't have any accounts there - but I called to verify I don't have anything open and the employee looked up my social security number and said I did not. I then gave her the account number where my stolen money was transferred to and she said she couldn't confirm any details with me as it wasn't my account and I needed to work with my bank. 

XXXX has now issued XXXX recalls and my money was not returned, so they have now closed my case. I don't know if the other account was frozen, flagged fraudulent/scam, or anything about where my {$2100.00} was taken. If the account wasn't mine, why was a wire in my name accepted? These are questions JPM will not answer when I call and I am told they can not answer any of them and need my bank to work with them. My bank has closed the case though ( I have filed a separate compliant ) so I don't know where to turn next.

Company response to consumer: Closed with explanation