Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I wrote and mailed a check for {$3200.00} to my landlord, a property management company, for the monthly rent payment for my rental unit ( which I shared with XXXX roommate ) via a U.S. Postal Service collection box. This is how I had paid rent to my landlord for my XXXX XXXX XXXX  apartment over two and half years. However, on XX/XX/year>, my landlord notified me that they had not received my XXXX rent payment and would therefore be charging me a late fee in addition to demanding immediate payment of the overdue rent. 

Upon notice from my landlord that the check was not received via mail, I immediately went to my Chase Bank mobile app and pulled a picture of the deposited check. The picture showed that my check had been endorsed by a unknown company or person and deposited on XX/XX/year> at XXXX. The name on the endorsement was hand written and illegible, and it clearly did not match the company name listed in the " pay to '' line of the check. Further, all previous rent checks to my landlord were endorsed with the company 's stamp. Because neither the name of the endorsor nor the method of endorsement matched how previous rental checks had been processed, it became clear to me that the check had been stolen from the U.S. Postal Service and fraudulently deposited by a unknown third party. 

That same day, XX/XX/year>, I called Chase Bank to immediately report the stolen and fraudulently deposited check. After discussing with numerous representatives and attempting to escalate the matter, a Chase representative informed me that because the check had been deposited with XXXX XXXX, the only remedy available to me was to complete a form detailing the facts of the situation and compile all possible evidence to prove my case. The Chase representative informed me that only after reviewing and approving that form ( and all evidence ) would the missing funds that had been fraudulently deposited into the XXXX XXXX account be redeposited into my account. The missing {$3200.00} would not be redeposited into my account while the fraud was investigated- accordingly, I had to pull an additional {$3200.00}, along with another {$98.00} for the late fee, from my account to pay my landlord. Given the amount of my rent payment and my career as mathematics teacher, I had to borrow these funds from family as I did not have an additional {$3000.00} plus dollars available to me. 

After multiple calls with Chase Bank over the following weeks to discuss how to move forward with completing the form, I was informed that I needed to go to a Chase branch to physically pick up the form. On XX/XX/year>, I went to a Chase branch and waited several hours to meet with an employee to receive a copy of the form. When I finally was able to meet with the XXXX XXXX employee, they informed me that they only way to return the form was via fax - I could not mail, email or deliver the completed form in person. The only manner in which the form could be returned was via fax. I indicated that I did not have access to a fax machine, but they made clear that there was no other manner in which I could properly submit the form. Additionally, I was told that the intended recipient of the check must also complete the form, attesting to the fact that the check was never received. 

On XX/XX/year>, I shared the form with my landlord, a property management company, and requested they complete the form and fax it to the number Chase had provided. Around the same time, I also completed my portion of the form and compiled all evidence, which I sent to Chase via fax as requested. Because I did not have access to a fax machine ( and because Chase refused to accept the form via mail, email or personal delivery ), I faxed the form and all accompanying evidence via a reputable online fax service. 

Since XX/XX/year>, I have attempted to check on the status of my fraud complaint and have not received any direction from Chase regarding next steps and where my complaint currently stands.

Company response to consumer: Closed with monetary relief