Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
b"Gift Card / Impersonation Scam Submission Package\n\nVictim: XXXX XXXXnDate of Initial Scam: XXXX\nFiling claim against: Chase Bank\n\nPurpose: To provide a complete record of a gift card/impersonation scam, including timeline, evidence, financial impact, stolen/exposed information, and actions taken.\nScam Summary\n\nInitial Caller: Claimed to be XXXXnFollow-up Scammers: 'XXXX (Chase fraud officer), FTC impersonator, XXXX fraud department impersonator\nXXXX Investigation Case Number: XXXX\nScam Description\n\nVictim (XXXX XXXX) was instructed to purchase gift cards and provide card numbers/photos under the pretext of a fraud investigation involving an alleged XXXX charge. The callers impersonated representatives from XXXX Chase Bank, the Federal Trade Commission (FTC), and XXXX XXXX\n\nThe primary caller ('XXXX) repeatedly stated that the victim was on a secure recorded line so that information could be sent to the FTC for an investigation. The victim was instructed not to discuss the situation with any third parties, including store employees or bank staff, due to the supposed open investigation.\n\nThe caller emphasized that the victim needed to be honest with the government and cooperate fully with the investigation. When the victim asked for clarification or questioned the process, the caller placed the victim on hold repeatedly.\n\nDuring the calls, the scammers occasionally addressed the victim using incorrect names such as 'XXXX XXXX XXXX'\n\nThe scammers initially instructed the victim to purchase two XXXX gift cards valued at XXXX each from an XXXX XXXX. When an XXXX XXXX was not nearby, the scammers redirected the victim to purchase XXXX gift cards from a XXXX store instead.\n\nScammer Tactics\n\n- Authority Impersonation: Callers claimed to represent XXXX, Chase Bank, the FTC, and XXXX XXXX\n- False Investigation Narrative involving a fake FTC case number XXXX\n- Isolation: Victim told not to discuss the situation with store employees or bank staff.\n- Secure Line Claim: Victim told they were on a secure recorded line.\n- Urgency and Compliance Pressure to cooperate with the investigation.\n- Control of Conversation: Victim placed on hold repeatedly when asking questions.\n- Gift Card Payment Redirection from XXXX XXXX XXXX XXXX gift cards.\n\nTimeline of Events\nDate\tEvent\tDetails\nXXXX charge dispute caller\tClaimed fraudulent XXXX XXXX XXXX XXXX and transferred call to 'Chase fraud officer'.\XXXXChase XXXXClaimed the charge could not be stopped and instructed cooperation with investigation sent to FTC.\XXXXGift card purchases\tThree XXXX gift cards totaling XXXX purchased. First XXXX card with XXXX XXXX credit card; next two XXXX cards purchased with cash withdrawn from Chase ATM. Photos sent to 2 phone numbers XXXX XXXX XXXX XXXX XXXXtVictim realizes scam\tIncident reported to Chase, XXXX XXXX XXXX XXXXtVictim recorded follow-up call\tScammers again impersonated Chase and FTC representatives referencing case number XXXX impersonation\tCaller identifying as 'XXXX XXXX from XXXX fraud requested information. Victim refused and requested callback number XXXX\nPost XXXX recovery\tFirst card redeemed by victim. XXXX recovered XXXX XXXXom the other two cards before remaining funds were spent.\n\nPhone Numbers Used\nXXXXn\nFinancial Impact\nItem\tAmount\tStatus\tNotes\XXXX Card #XXXXXXXXedeemed to victim\tVictim successfully loaded balance into own account - This card was purchased by XXXX XXXX, and because the gift card was successfully redeemed to victim, there is no remaining claim against XXXX XXXX XXXX XXXX XXXX (combined)\tXXXX XXXX XXXX recovered by XXXX XXXX XXXX XXXXpent by scammers\XXXX recovered minimal balance before funds were spent. These cards were purchased with XXXX cash withdrawn at local Chase bank branch, which is the XXXX claim being filed against Chase bank\n\nTotal Gift Cards Purchased: XXXX XXXX XXXX XXXX redeemed by victim + XXXX recovered by XXXX XXXX XXXXn\nStolen Information Exposed to Scammers\n- Full name (first/middle/last)\n- Phone number\n- Home address\n- Email address\n- Date of Birth (possibly partially recalled)\n- Approximate Chase bank balance (XXXX disclosed)\n- Social Security Number requested but not disclosed\n\nEvidence Included\n\n- Full recording of XXXX call (includes Chase impersonator, FTC impersonator, XXXX XXXXmpersonator, and a victim statement)\n- Two voicemails from XXXX XXXXferencing XXXX gift cards or Chase representation\n- XXXX purchase receipts\n- Photos of gift cards\n- Call logs showing scam numbers\n- Timeline documentation (included in this outline)\n- XXXX investigation case XXXX (included in this outline)\n\nActions taken by victim:\nBanks notified: Chase, XXXX XXXX XXXX XXXX contacted and partial recovery obtained\nFraud alerts and monitoring placed on accounts\nEvidence preserved including recordings, voicemails, and documentation\n\nActions still to be completed by victim:\nReports submitted to FTC and FBI IC3\nXXXX notified of impersonation"

Company response to consumer: Closed with explanation