Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
To whom it may concern, I am writing to provide a full explanation regarding the fraudulent transactions that occurred on my account. I was the victim of an online job scam that involved impersonation, deception, and coercion.

1. How the scam began I applied for what appeared to be a legitimate remote sales training program ( the merchant is XXXX ). I was contacted by a person who claimed to be a trainer and they added me into a private XXXX  workspace with several other profiles who appeared to be employees or trainees. The environment looked professional and legitimate, so I believed it was a real job opportunity.

2. The scammer pressured me during a 1-on-1 training session The scammer conducted a 1-on-1 video/voice training session with me and told me that I needed to complete a pre-approval or security deposit to keep my spot in the program.

They repeatedly told me this was not a payment, but only a temporary hold that I would get back in 60 days.

They also said I was liable for their lost time if I didnt complete it immediately.

I now understand this was a manipulation tactic.

3. They coerced me to open TWO credit accounts The scammer instructed me step-by-step to open both : a Chase credit account ( for {$5000.00} ) a XXXX  XXXX account ( for {$1000.00} ) They pressured me to complete this quickly during the call, saying the system would remove me if I didnt finish.

4. They directed me to make the transactions During the call, the scammer told me exactly what buttons to press, what amounts to enter, and what to submit.

I followed because I believed this was required for the job.

I would never have made these transactions on my own.

5. I recognized the scam immediately afterward Within a few hours, I realized this company was fake : The XXXX workspace was created only one day earlier.

All profiles appeared staged or fake.

They had no legitimate business documentation.

No real company in the U.S. requires a pre-approval charge for training.

They refused to give me any written policy.

6. I contacted Chase/XXXX  XXXX within hours The moment I realized this was a scam, within approximately 4 hours, I immediately contacted the bank to report fraud, before the transaction had posted.

I want to make clear : I did NOT willingly purchase anything I did NOT knowingly authorize payment to a merchant I was deceived and coerced under false pretenses This was a fraudulent job scam I gained nothing from these transactions 7. This scam fits the definition of fraud under federal law My situation clearly matches consumer-protected fraud under : FCBA ( Fair Credit Billing Act ) Regulation Z Regulation E ( if applicable ) because the charge was : obtained through deception obtained through coercion obtained under false identity and false business representation not an actual purchase not for goods or services not knowingly authorized 8. Request for resolution I respectfully request : the immediate cancellation or reversal of the fraudulent transactions, or the zeroing-out of the balances related to these unauthorized charges.

I am fully prepared to provide : pictures screenshots XXXX  messages timestamps emails the IC3 report a police report a full timeline Thank you for your prompt assistance. 

Sincerely, XXXX XXXX XXXX XXXX, VA

Company response to consumer: Closed with explanation