Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Formal Complaint Against JP Morgan Chase Bank Regarding Check Forgery and Negligence To whomever it may concern, I am writing to formally lodge a complaint against JP Morgan Chase Bank for negligence in handling a forged check and their subsequent failure to resolve the matter. This issue has caused significant financial and emotional distress, and despite multiple attempts to seek resolution, I have been unable to get my funds from the bank. 

Summary of Events : On XX/XX/year>, a check issued in my name ( check number : XXXX ), from XXXX XXXX Mortgage Bank for the amount of {$4300.00} was fraudulently altered and cashed without my authorization. The check which was correctly addressed to me, was signed and deposited by a third party, XXXX XXXX, who is not associated with my accounts. 

I immediately reported the matter to XXXX XXXX Mortgage Bank when I discovered the fraudulent transaction. Following their guidance, I filed a written police report on XXXX XX/XX/year> with the XXXX XXXX, Texas Police Department. The case was assigned to Detective XXXX XXXX, who identified XXXX XXXX as the primary suspect based on the investigation and his signature on the check. Consequently, the State of Texas issued an arrest warrant for XXXXXXXX XXXX  The negligence of JP Morgan Chase Bank in this matter is deeply concerning. The check was addressed to me, yet it was accepted and processed under the name of XXXX XXXX. This fundamental breach in verification protocols demonstrates a lack of due diligence on their part. I have contacted Chase Bank 's customer service multiple times to seek resolution and I have always been re-directed to contact to authorized representives and no meaningful action has been taken to rectify their mistake. 

I have been deprived of {$4300.00} for months, causing financial strain since XX/XX/year>. I have invested significant time and energy in attempting to recover my rightful funds, including filing police reports and engaging in back and forth communications with the police, XXXX XXXX Mortgage Bank point of contact ( XXXX XXXX ) and Chase Bank ( customer support ). I am rightfully demanding that JP Morgan Chase Bank immediately : a ) Refund the full amount to my account, including the appropriate interest accrued since the incident. 

b ) I request that stricter verification measures be implemented to ensure such incidents do not recur. 

Given the severity of this case and the lack of action from JP Morgan Chase Bank, I request the Consumer Financial Protection Bureau ( CFPB ) intervention and urge to investigate this matter thoroughly and hold JP Morgan Chase Bank accountable for their actions. I have all the supporting evidence and documents for this case as listed below : a ) A copy of the check issued by XXXX XXXX Mortgage Bank. 

b ) The police report filed with XXXX XXXX Police Department. 

c ) Email and call records evidencing my communication with JP Morgan Chase Bank. 

d ) XXXX XXXX XXXX received from XXXX XXXX ( Investigator : XXXX XXXX ) I appreciate your time and attention to this matter and look forward to a prompt resolution. Should you require any additional information or documentation, please do not hesitate to contact me via email or phone.

Company response to consumer: Closed with explanation