Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I was scammed out of {$1700.00} while trying to sell a game account for {$1800.00} to a buyer named XXXX XXXX, whom I met through the XXXX XXXX XXXX created a group chat with someone he claimed was a middleman, XXXX XXXX, on XXXX. XXXX then messaged me privately and instructed me to send {$200.00} as a guarantee payment via my Chase debit card to complete the transaction. After sending the money, XXXX ghosted me for several days, then came back with excuses that I later realized were fabricated. He repeatedly requested more money, and I continued to send payments out of trust, not realizing I was being manipulated in a scam. Eventually, XXXX blocked me on XXXX, and I never received any payment for my account. I now believe XXXX and XXXX were working together in a coordinated scam. I contacted Chase shortly after being blocked, explained the situation in detail, and submitted a fraud claim along with multiple screenshots of our conversations, the agreement, and the moment I was blocked. Chase opened the claim and issued temporary credits to my account. However, the claim was later closed and denied, and the credits were removed. I followed up with Chase again after realizing the full scope of the scam and requested a reconsideration, but they refused to reopen the case. I am asking for a formal review of this case. I reported the fraud in good faith, submitted clear evidence, and acted quickly. As a consumer using a debit card, I understand I am protected under the Electronic Fund Transfer Act. I am requesting a full refund of the {$1700.00} that was fraudulently taken from my account. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - It has been 11 days since I submitted my complaint with the screenshotted evidence regarding an unauthorized transfer and defraud involving my Chase checking account ( via XXXX ). I have not received any response from Chase. 

Given the clear evidence of fraud and my prompt reporting of the incident, I am concerned about the delay in acknowledgment or resolution. Please confirm Chase has received this complaint and remind them of their 15-day response deadline under CFPB guidelines .

I respectfully request that Chase reverse the fraudulent charges and provide a full update on the status of my claim as soon as possible.

Thank you for your attention to this urgent matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation