Consumer complaint received 2025-09-17 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:
To Whom It May Concern, I am urgently seeking intervention after falling victim to a sophisticated scam involving my Chase Bank account and XXXX & Wire Transfer. This incident occurred while I was in Virginia dealing with the recent passing of a loved one during a period of deep emotional XXXX. 

I received a phone call from someone impersonating a Chase representative. They claimed my account had been compromised, citing fraudulent charges including {$500.00} at XXXX XXXX and another from a California vendor. The caller had detailed knowledge of my account activity, and even referenced a XXXX recipient I had never seen before nor had any previous contact or interactions with. 

Convinced I was speaking with Chase fraud prevention, I followed their instructions, believing I was going through a secure process to lock down my account. During this time : A new XXXX was added to my account without my knowledge, and I only received an email confirmation from Chase no call, text, or anything solid to ensure it was indeed me making these logistical changes. 

Prior to the main transfer, Chase correctly flagged and declined a {$400.00} transaction as unverified. But just afterward, they allowed over {$3500.00} to be sent out via wire transfer without so much as a confirmation text, call, or email check. 

The recipient was unknown to me, and Ive had no prior contact or transaction history with them. In addition, I have never in the history of opening my Chase account at Chase, sent a wire transfer. 

This pattern a failed {$400.00} charge followed by an unchallenged {$3500.00} withdrawal raises serious concerns about security protocol breakdowns and system inconsistency on Chases part. The fact that the earlier charge was flagged but the larger one was not implies negligent or failed risk analysis. 

-When a mysterious XXXX was added to my account there was no direct contact made to confirm security, in which multiple transactions/tasks were done with in a matter of ~a couple of hours, and didn't get any direct contact from Chase, only an email on the backend, which was discovered after the fact. 


The funds lost were part of a recent life insurance payout. I was already grieving, and this event left me emotionally and financially devastated. 

Despite promptly reporting the issue, Chase denied my claim, stating that the transaction was " authorized. '' I strongly disagree. I was clearly manipulated through fraud, and possibly account compromise, and I believe this qualifies as an unauthorized electronic funds transfer under Regulation E.

I respectfully request that your office investigate this matter and advocate for a full review of Chase 's decision. I also ask that my experience be added to any broader inquiry regarding consumer fraud protections and Wire Fraud/Money Transfer platform misuse. 

Thank you for your time, and I am happy to provide documentation upon request. 

Sincerely, XXXX

Company response to consumer: Closed with explanation