Consumer complaint received 2024-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello. I am a college student, and I recently started an unpaid internship at XXXX XXXX. On the third day at the job, XX/XX/year>, I received a text message from a new number impersonating my boss, asking for me to go buy gift cards for her because she was in a meeting. The scammer told me that I would be reimbursed immediately when I got back to the office. I went to my nearest XXXX and purchased XXXX gift cards, each with {$250.00}. She asked me to scratch off the pin and send pictures of the numbers in order to " save time ''. She asked me to buy XXXX more gift cards. I tried calling, but she did not answer, and I realized that it was a scammer and not my boss. These XXXX purchases ( totaling {$1000.00} ) were made on my Chase debit card, so I opened a claim with Chase which was recently denied since it was an authorized charge. I filed a police report, which I submitted to Chase, but the decision of the claim was still denied. Here is our text message chain regarding the {$1000.00} that was stolen : FRAUD : XXXX, let me know once you get this. Thanks, XXXX XXXX. XXXX : XXXX XXXX, I got this message. FRAUD : XXXX. I need to know if youre free to head out for a bit to get a task completed as quickly as you can. XXXX : XXXX, I am still working on the slides but I can head out if you need. FRAUD : I need you to locate any XXXX store close to you. I need you to grab some physical gift cards, I need those cards for my conference call meeting soon. XXXX : Okay, how many gift cards do you need and how much money on each? There is a XXXX XXXX minutes away. FRAUD : Okay. Head there now, Let me know once you get to the store and the options available for further instructions. XXXX : Okay, heading there now. FRAUD : Are you there? XXXX : XXXX just got here XXXX : Okay, XXXX XXXX XXXX cards for {$250.00} each. Let me know once purchased for further instructions. Also hold on to the receipt for immediate reimbursement after my meeting. XXXX : Okay, will do. Just confirming. You want XXXX $ each on XXXX gift cards so {$1500.00} total? FRAUD : Yes, processing? XXXX : Yes still at the store. They have to do each card individually. FRAUD : Alright. XXXX : The system only allows you to get {$1000.00} in gift cards per visit so I will have to go to a different location to get the last XXXX gift cards. Do you want me to come back first with the XXXX that I have now and then get XXXX more from somewhere else? FRAUD : Alright. To save time, In the car gently scratch and send the image of the XXXX cards. How long can it take you to get to the other location? XXXX : The next closest sephora is XXXX minutes away from me FRAUD : Head there immediately after the cards have been sent while I confirm the cards. XXXX : The scammer asked me to purchase XXXX more cards and send the pin but I was able to repurchase those cards under a different gift card once I realized it was a scam so I now have those XXXX cards under my possession, so disregard that part* FRAUD : Confirming cards. XXXX! Cards confirmed. XXXX 80 % done now, XXXX XXXX more cards for {$250.00} each. Let me know once purchased ; XXXX cards total. Got text? XXXX : Can I call you for a second? FRAUD : XXXX currently on my call meeting, is there a problem at the store? XXXX : I think that I am about to reach my credit card limit. I also wanted to confirm that this is XXXX sending these texts. FRAUD : Yes, it is me XXXX. Thats weird by the way. Noted, can your card make the purchase? XXXX : I do not believe this is XXXX. FRAUD : Are you serious now? You know youre interrupting my call meeting. XXXX? 

Below, I have attached the full message chain along with the police report and the receipts from XXXX.

Company response to consumer: Closed with explanation