Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX : Bank XXXX / XXXX XXXX Fraud Reference : XXXX # XXXX | XXXX XXXX XXXX Incident # XXXX Summary of Fraud I am writing to formally place JPMorgan Chase Bank , N.A . ( Chase ) on notice that funds deposited into a Chase account on XX/XX/XXXX were the direct result of a bank impersonation fraud and social-engineering scheme, and that the receiving Chase account XXXX an unauthorized beneficiary / suspected mule account. 
On XXXX XXXX XXXX, individuals impersonating XXXX XXXX XXXX  fraud personnel contacted me using spoofed phone numbers and SMS messages. These impersonators accurately reviewed my real XXXX XXXX Bank transaction history and falsely claimed that my Social Security XXXX had been compromised and that my funds were unsafe. 
Under these false representations, and believing I was acting under legitimate bank and law-enforcement guidance, I was instructed to withdraw my funds and redeposit them into a secure Chase account. 
I did not open, control, or authorize this Chase account. 

Unauthorized XXXX XXXX Tokenization and Deposit While in the Chase parking lot, I was instructed to XXXX a Chase debit card into XXXX XXXX under a third-party name using card credentials provided over the phone. At approximately XXXX a.m. on XX/XX/XXXX, I deposited {$17000.00} via a Chase ATM located in XXXX XXXX, XXXX ( attempted {$17000.00} ; XXXX {$100.00} bills were rejected ). 
Shortly after the deposit, I realized I had been defrauded and immediately returned to Chase Bank. A Chase banker located the account and froze the funds. 
Despite this, Chase has since stated that I have no recovery rights, has refused to assign a fraud investigator or case number, and has blocked access to Chase Fraud personnel, effectively stonewalling the investigation. 

Lack of Authorization I affirm unequivocally that : I did not authorize the Chase account I did not authorize XXXX XXXX  XXXX  under a third-party name I did not intend to transfer, gift, or relinquish my funds All actions taken were the direct result of fraudulent inducement and impersonation This was not a voluntary transaction. 









Formal Demands I hereby demand that JPMorgan Chase Bank : 1. Treat this matter as consumer fraud involving an unauthorized account / mule account 2. Assign a Chase fraud investigator and provide a case number 3. Confirm in writing : XXXX  Whether the account remains frozen XXXX  Whether the funds remain intact 4. Preserve and review all evidence, including : XXXX  Account-opening and XXXX records XXXX  IP XXXX and device identifiers o XXXX XXXX XXXX XXXX XXXX XXXX and removal logs XXXX ATM transaction logs and deposit images o Surveillance footage from the Chase Sterling Heights ATM XXXX XXXX XXXX XXXX XXXX and XXXX Law-Enforcement & Regulatory Notice This matter has XXXX XXXX XXXX : XXXX XXXX Police Department ( Incident XXXX XXXX XXXX Federal Trade Commission ( Ref. # XXXX ) FBI XXXX XXXX XXXX XXXX ( XXXX # XXXX ) Failure to cooperate may result in escalation to federal and state banking regulators. 




XXXX XXXX XXXX XXXX XXXX Chase is hereby placed on formal notice of a dispute involving fraud, potential civil claims, regulatory review, and law-enforcement investigation. Chase has an immediate obligation to preserve all potentially relevant records and evidence related to this matter. 
This obligation includes, but is not limited to : Account-opening and XXXX documentation IP addresses XXXX device identifiers, and login metadata XXXX XXXX XXXX, provisioning, and removal logs ATM transaction records, timestamps, and error logs Surveillance footage from the Chase XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX notes, and communications The destruction, overwriting, or alteration of evidence after receipt of this notice may constitute spoliation of evidence and give rise to adverse inferences or sanctions. 
Please confirm in writing that a litigation hold has been implemented. 

Respectfully, XXXX XXXX XXXX : XX/XX/XXXX AFFIDAVIT OF FRAUD JPMORGAN CHASE BANK ( XXXX ) I, XXXX XXXX, declare under penalty of perjury that the following is true and correct. 
On XX/XX/XXXX, I deposited funds into a Chase account as the direct result of bank impersonation fraud and social-engineering deception. I did not open, control, or authorize the Chase account and did not authorize XXXX XXXX XXXX  under a thirdparty name. 
I was induced to act by individuals impersonating XXXX XXXX XXXX  fraud personnel who used spoofed communications, reviewed my real banking information, and falsely claimed that my identity and funds were at risk. 
The deposit of {$17000.00} at a Chase ATM in XXXX XXXX, XXXX, was not voluntary and did not represent authorization, consent, or intent to transfer ownership of my funds. 
I reported the fraud immediately upon discovery, and the receiving account was frozen. 
I request that JPMorgan Chase Bank cooperate fully with recovery efforts, law enforcement, and regulators. 
I declare under penalty of perjury that the foregoing is true and correct. 

XXXX XXXX XXXX : XX/XX/XXXX 2026

Company response to consumer: Closed with explanation