Consumer complaint received 2026-01-25 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX CC : JPMorgan Chase Bank , N.A . ( XXXX XXXX XXXX : XXXX | Case No. XXXX ) XXXX XXXX Attorneys Office New York Attorney General Office of the XXXX Inspector General XXXX Department ( s ) of Criminal Justice Re : Pre-Litigation Demand and Notice of Intent to File Civil Action Confirmed Wire Fraud ( {$25000.00} ) Dear Sir or Madam, I am writing regarding a confirmed wire fraud in the amount of {$25000.00}, which occurred on XX/XX/XXXX. 

Although the wire transfer was initially authorized, upon discovering that the transaction was fraudulent, I immediately contacted JPMorgan Chase Bank to request a recall of the funds. Despite this prompt notification, no recall or escalation occurred for approximately two weeks, by which time the funds could no longer be recovered through routine banking channels. 

Following escalation and review, XXXXXXXX XXXX XXXX XXXX acknowledged in writing that : The wire transfer at issue was fraudulent ; The receiving account holder was identified ( confirmed by XXXX XXXX, Executive Office Case Specialist, XXXX XXXX, letter dated XX/XX/XXXX ; Case No. XXXX ) ; XXXX XXXX formally requested the return of the misappropriated funds ; and The account holder explicitly refused to return the funds.

Despite this confirmation, identification, and refusal, the funds have not been returned, nor has sufficient remedial action been taken to facilitate recovery.

For clarity and coordination, this correspondence is copied to appropriate Virginia law enforcement authorities for jurisdictional awareness, based on information identified through the banks investigation : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Receiving Bank : XXXXXXXX XXXX XXXX XXXX 

Routing Number : XXXX Checking Account Number : XXXX Phone Number Used in Fraud : ( XXXX ) XXXX In parallel, an IC3 complaint was filed with the FBI within hours of the incident. While the submission was acknowledged, no follow-up or investigative action has occurred to date, necessitating pursuit of civil remedies.

Additionally, a formal complaint was logged with the XXXX XXXX Attorneys Office on XX/XX/XXXX. While the matter was recorded, no enforcement action or formal inquiry has occurred to date, further necessitating civil escalation to compel accountability and disclosure.

For the New York Attorney Generals Office, this correspondence is provided in support of its mediation role and to document that the fraud has been confirmed, the recipient identified, and restitution formally refused, necessitating escalation absent timely resolution ( AG Intake No. XXXX ; claimant call on XX/XX/XXXX ). 

This letter therefore serves as formal pre-litigation notice and notice of intent to file a civil action in the Supreme Court of the State of XXXX XXXX XXXX XXXX XXXX XXXX, should this matter not be resolved promptly. 

NOTICE OF RECORD PRESERVATION XXXX XXXX XXXX XXXX  and JPMorgan Chase Bank , N.A . are hereby placed on notice to preserve all documents and electronically stored information related to this matter, including but not limited to account opening and XXXX  materials, wire records, access logs, internal fraud determinations, escalation timelines, and communications regarding restitution.

This notice is issued in anticipation of litigation.

REQUEST FOR COORDINATION AND COOPERATION In light of the confirmed fraud, identified recipient, and refusal of restitution, I respectfully request coordination and cooperation to facilitate recovery of the misappropriated funds and prevent further dissipation.

Nothing herein constitutes a waiver of any rights or remedies, all of which are expressly reserved. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation