Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding Chase Banks handling of a XXXX fraud dispute involving law-enforcement impersonation and coercion. 

On Friday, XX/XX/year>, I was contacted by individuals impersonating local law enforcement. The caller spoofed an official police department phone number and claimed I had XXXX active arrest warrants for failure to appear for jury duty. I was sent a document purporting to be an official arrest warrant and was instructed to read portions of it aloud to confirm receipt. 

I was then placed under what the caller described as a maintain contact order, meaning I was instructed not to hang up, not to use other apps on my phone, and not to contact anyone. I was explicitly told that if I disconnected the call or attempted independent verification, law enforcement would be alerted and I could be arrested. The caller also claimed IT personnel were monitoring the call in real time. 

I have never been arrested, cited, or pulled over in my life. Because of this lack of prior law-enforcement interaction, combined with the spoofed official phone number and realistic warrant documentation, the threats of immediate arrest were credible and caused extreme fear and coercion. 

Under this threat, I was instructed to send a XXXX payment of {$2000.00}, which I did solely because I believed I was legally required to do so to avoid arrest. I did not knowingly, willingly, or freely authorize a payment to a scammer. The payment was made under coercion, deception, and law-enforcement impersonation, which invalidates meaningful authorization. I am XXXX years old and have never been arrested, cited, or pulled over, which made the threats of immediate arrest especially credible. 

Shortly afterward, the scammers attempted to coerce additional payment via XXXX XXXX and a cash-to-cryptocurrency ATM. At that point, I independently verified the situation, confirmed it was a scam, immediately stopped all further payment, and reported the fraud to Chase the same day. I also filed a police report, provided the case number, and submitted extensive supporting documentation, including call logs, spoofed phone numbers, fake warrant documentation, and written statements. 

Despite this, Chase has denied my claim multiple times solely on the basis that the XXXX payment was initiated from my device, without properly considering coercion, impersonation, or the absence of free and informed consent. Treating a payment made under threat of arrest and under a maintain contact order as authorized ignores the realities of impersonation fraud and misclassifies the transaction. 

I am requesting that Chase conduct a supervisory-level reconsideration of my claim, properly evaluate the role of coercion and law-enforcement impersonation, and reassess whether this payment meets the definition of an authorized transaction under consumer protection standards. 


Attached is the following evidence. 
Call logs showing spoofed numbers ( number ending in XXXX is my local sheriffs office, which was spoofed. ) Fake arrest warrant sent to me The real police report. ( The detective on the case said anyone is welcome to contact her anytime to help. )

Company response to consumer: Closed with explanation