Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was contacted by Chase XXXX department on XX/XX/year>, XX/XX/year> XXXX about suspicious wire transfers on my account. I confirmed with the caller on each call that the wire transfers were not made by me and that they were indeed fraud. The caller stated that they would assist in reversing the transfers. They also stated that my savings account was compromised and that they were moving the funds from savings to checking. The caller provided a claim number and stated that I would be mailed a new debit card. I received an email from Chase stating that the wires were blocked from processing due to suspicious activity. On XX/XX/year> I reviewed the accounts and it was clear that the wire transfers were processed and not blocked/reversed. I called Chase fraud and was told that the claim number I was previously given was not an actual claim number and that they had no record of my previous calls with the fraud department. I informed the fraud representative that the caller had called from a number with Chase in the caller ID, that I told the caller that I did not approve the transfers, and that I received an email that the wires were stopped. The fraud representative stated that she was taking note of our conversation, locking the accounts and providing me with new claim numbers. I reiterated that these wires were not authorized by me and clearly do not match any legitimate personal transactions I conduct and that I believe that my personal device and my account were compromised. My account and personal device were compromised and taken over. I did not share my username, password, multi-factor authentication code or account information with any third party. These three wire transfers were unusually large for my account, to new/unfamiliar recipients, outside my normal banking patterns, and executed within two days of one another. My normal transaction patterns do not include wires of this magnitude. Chase 's XXXX  monitoring systems should have flagged these transfers for further verification before processing. I reported these transactions as soon as they were brought to my attention and on the same day of the initial transfer - well within industry standards and Chase 's own fraud notification timelines. I have complied fully with Chase 's fraud reporting requirements. I do not recognize the receiving bank or account details. I have not authorized Chase to transfer funds to these recipients. My access to online banking was compromised by third parties. I have reported this fraud to : Internet Crime Complaint Center ( IC3 ), the report documents that this was unauthorized account takeover and wire fraud. The wire transfers totaled {$140000.00}. 
Chase sent a claim denial letter stating : the items being disputed were authorized or you received benefit from the items. I contacted Chase several times since XX/XX/year> to check on the claim and provide information. Each time I contacted, the fraud department representative reported something differently and did not take my additional information. I have no confidence that any investigation was conducted nor any attempts to recover my funds were made.

Company response to consumer: Closed with explanation