Consumer complaint received 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase had a duty for the due care of my money under my direction and discretion. They have breached that duty. Yes, I did sign the wire transfer request form. However, after requesting the cancellation and receiving a verbal guarantee over the phone, I did not ask them to wire the money when the funds became available in my account. Instead, I relied on what I was told to do, so I did not go back to the branch office once I was assured the wire was canceled. Telling me one thing and doing another, in this case, an empty promise of cancellation and sending my money regardless, does not fall into something a reasonable bank would do. Due to their negligence, which they acknowledged several times during the phone conversations with XXXX and XXXX at the Chase Executive Office, I suffered the actual financial injury. 

I regret that JPMorgan Chase is incompetent to draw a line between the personal agenda and their professional duty. It is not their position to sympathize that I became a victim of a love scam. It is none of their business. To whom I wanted the money to be sent before I requested the cancellation is strictly personal and has nothing to do with JP Morgan Chase. They extended their unnecessary and unwelcome sympathy to me to cover up their negligence as if they had nothing better to say than admit their failure. The truth is that they failed to honor my request to cancel the wire transfer. 

I regret that JPMorgan Chase conceals what happened after initiating the wire transfer. After initiating the wire transfer, my Guardian Angel told me to cancel it when I walked out of the branch office. I thought it was reasonable to spend the money for myself first before I extend any help to someone else. At that time, I did not have any suspicion or doubt towards the receiving party. He was a needy knight-in-a-shiny-armor. 

Nonetheless, I still had a sound mind to reshuffle what to do with my hard-earned money. That is why I called JPMorgan Chase for instructions on canceling the wire. I wanted to clarify if I had to return to the XXXX XXXX XXXX XXXX branch to cancel, go home to cancel it online, or cancel it over the phone. They gave me a verbal affirmation that the wire would not go, they canceled the wire request I initiated, and I did not have to do anything else to cancel it. Furthermore, they assured me that the wire would not go out unless I initiated another wire transfer request. Unfortunately, JPMorgan Chase does not want to play the telephone conversation recordings because they are afraid to reveal their negligence. 

I regret that JPMorgan Chase decided not to credit my account because I was a victim of a love scam. However, me being a victim of a love scam did not grant them a right to break their fiduciary duty as a bank. They did not have to state in writing what I did upon realizing I was a victim since they have no say on this. I have free will to do whatever I want with the people who attempt to harm me. IT IS MY BUSINESS, whether I try to hunt them down or pray for the Lords mercy to grant contrite hearts in them. I still would have been busy mending my broken heart, but I would not have suffered any financial injury had JPMorgan Chase been responsible and diligent in acting upon my request to cancel the wire transfer. Whether I am a victim, a prosecutor, or a rescuer, it should not make or break the responsibility of any bank in the world. 

I regret that JPMorgan is trying hard to look like an innocent lamb who processed my wire transfer request according to my instruction without ever mentioning my instruction to cancel the wire, which took place before they processed it. I deposited {$10000.00} at XXXX on XXXX, XX/XX/2021. I requested the wire transfer and left the branch office. Then I immediately canceled the wire transfer request over the phone within an hour before the funds became available in my account. JPMorgan Chase ignored my request and processed the wire later when my account had enough money. They refuse to share the wire confirmation, which typically shows the exact time when the transfer took place in fear of revealing the time gap between when I requested the wire transfer and when the actual wire transfer took place. Within the gap, I had requested the cancellation. What they did with my money and what they wrote me in the letters are the signs of how unreasonable they are. When I tried to contact the Chase Executive Office the other day, their phone number did not work. They kindly stated their office hours in the letter and their voice mail greetings, but I have experienced nobody being available during their office hours. In addition, there were times when the extension given by the person who handles my case did not work. 

I want to share the verbal apology from Chase JPMorgan Executive OfficXXXX. First, XXXX apologized for not returning my call sooner. It took her almost a week to call me back. Second, she apologized for being short-staffed. Nobody covered for XXXX while he was out for nine-plus days. Third, she apologized for their mishandling of my over-the-phone wire cancelation request, which led my money to go out, although the cancel request was confirmed verbally over the phone. Fourth, she apologized for their behind-the-technology IT system, which disallowed the 3-way call among the Chase Executive Office, the XXXX XXXX XXXX & XXXX branch office, and me. Finally, she apologized for not being able to play any of the recorded telephone conversations. 

In conclusion, please stay away from JPMorgan Chase. They do not care about their customers. They do not care about their reputation. But, most importantly, they can break your bank account. In addition, the Office of the Comptroller of Currency did nothing on my behalf. They abused the word " Recall '' on their decision letter because they wanted to cover up that I " Cancelled and Chase made a mistake. ''

Company response to consumer: Closed with explanation