Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Fraud Timeline Bank Impersonation / Social Engineering Wire Fraud Re : Claim # XXXX Summary : I was the victim of a bank-impersonation/social-engineering scam involving a spoofed Chase fraud alert text and a XXXX incoming phone call that appeared to be from Chase. Under deception and false authority, I was instructed to provide a one-time passcode ( OTP ). A domestic wire transfer of {$4200.00} was sent and later denied as authorized, despite the authorization being obtained through impersonation and deception. The funds originated from custodial savings for my minor children and were moved internally before the wire was sent. 
FBI XXXX report filed : XXXX XXXX The funds involved were held in custodial savings accounts for my minor children and were transferred internally before the wire was initiated. 



XX/XX/XXXX Initial fraud contact I received a Chase fraud alert text message on my XXXX regarding suspicious activity ( see screenshot ). I did not respond to the text. 
Shortly after, I received a phone call from what appeared to be an official Chase phone number ( see call log ). The caller stated there was unusual activity on my account and asked whether I was attempting to wire money out. I clearly stated no. 
The caller then provided fraud prevention instructions, which included relaying a one-time passcode ( OTP ). At no point did the interaction appear suspicious ; the caller spoke as if they had full visibility into my account activity. 
Despite following these instructions, a wire transfer of {$4200.00} was sent. I was told the wire would be frozen/reversed, my card canceled, and my account locked with a new card issued. 

Same day Verification attempt To confirm legitimacy, I called Chase back the same day by redialing the number that called me. The number also matched the phone number on the back of my Chase card. 
I was locked out of my account for several weeks, allegedly while awaiting a replacement card. The {$4200.00} was not returned. 

Follow-up on missing card / access restored After weeks without receiving a replacement card, I contacted Chase again and was told there was no record of a new card being ordered. I paid {$25.00} to rush a replacement card. 
When account access was restored, I immediately changed my password. The {$4200.00} remained missing and we did not benefit in any way from this transaction. 

XX/XX/XXXX Claim filed and denial We contacted Chase again. Chase stated there was no record of any prior conversation related to the wire. A fraud claim was created and later denied. 

XX/XX/XXXX Chase acknowledgment of spoofing On XX/XX/XXXX, I spoke with a Chase representative ( XXXX ) who reviewed and reconciled the timeline and identified the incident as a number-spoofing scam, involving : A spoofed Chase phone number A fraudulent text message Misuse of a one-time passcode ( OTP ) obtained through deception This explanation aligns precisely with the sequence of events. 



Supporting evidence Attached are screenshots of my XXXX call records ( timestamps and call details ), fraud alert text screenshot, and Chase transaction screenshots showing the internal transfers and the outgoing wire.

Company response to consumer: Closed with explanation