Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Escalation of Complaint Regarding Fraudulently Cashed Cashiers Check and JPMorgan Chases Inadequate Response Dear Consumer Financial Protection Bureau, I am filing this complaint to escalate my ongoing issue with JPMorgan Chase regarding a lost and fraudulently cashed cashiers check. The banks inadequate handling of my repeated notifications and their response on XX/XX/XXXX, have left me with no resolution and severe financial and emotional distress.

Key Details of the Case : XXXX. On XX/XX/XXXX, JPMorgan Chase issued a cashiers check for {$6900.00}, which was a replacement for an earlier check. According to XXXX tracking, the check was delivered on XX/XX/XXXX, but I never received it. 


2. Starting from XX/XX/XXXX, I made multiple calls to JPMorgan Chase, reporting the missing check and requesting it to be canceled or frozen. My calls were made to their customer service line ( XXXX ) from my registered number ( XXXX ) on the following dates : XX/XX/XXXX : XXXX calls at XXXX PM and XXXXXXXX XXXX 

XX/XX/XXXX : XXXX calls at XXXXXXXX XXXX. 

XX/XX/XXXX : XXXX call at XXXXXXXX XXXX. 

XX/XX/XXXX : XXXX calls at XXXXXXXX XXXX and XXXX XXXX. 



XXXX. Despite my numerous calls and reports, the bank failed to take preventive action. On XX/XX/XXXX, the check was fraudulently cashed without my authorization. I was informed of this on XX/XX/XXXX or XXXX, XXXX, when I visited a Chase branch and submitted a lost or stolen cashiers check form.

Response from JPMorgan Chase : In their response on XX/XX/XXXX, the bank reiterated that the check was cashed on XX/XX/XXXX, and instructed me to submit the same form again at a branch. However, I had already submitted this form on XX/XX/XXXX, and the bank has not provided any explanation for their failure to act on it. 

My Concerns : 1. Why did the bank fail to freeze or cancel the check despite my multiple phone calls and reports?

2. How was the check cashed without my authorization? Who cashed it, and where?

3. Why is the bank asking me to submit the form again when I had already completed this step on XX/XX/XXXX? 



Financial and Emotional Impact : As someone who is currently unemployed and without a source of income, this cashiers check represented my last savings, which I depended on for basic living expenses. The loss of these funds has caused me significant financial hardship and emotional distress. The lack of action and accountability from JPMorgan Chase has left me feeling helpless and morally broken. 

Attached : 1. Screenshots of my call logs showing all calls made to JPMorgan Chase.

2. The " lost or stolen cashiers check form '' submitted on XX/XX/XXXX. 


XXXX. Copies of my XXXX previous complaints and the banks responses. 



Intended Next Steps : If this issue remains unresolved, I will have no choice but to explore all legal options to recover my funds and hold the bank accountable. I am requesting : 1. Full reimbursement of the {$6900.00}.

2. A detailed explanation of how the check was cashed without my authorization.

3. Accountability for the banks failure to act after my multiple reports. 



I urge CFPB to review this matter and assist in ensuring a fair resolution. The banks failure to protect my funds has caused immense harm, and I am counting on your assistance to achieve justice. 

Sincerely, XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation