Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i received a call from " chase fraud division telling me that someone was trying to access my XXXX and gave me a fake case number then i was transferred to a supposed XXXX representative who told me the bank could protect my account if I sent XXXX XXXX payments to " chase employees '' i sent all XXXX. XXXX for $ XXXX XXXX for {$1000.00} each then all of a sudden a XXXX XXXX got on the line and told me that chase was having internal fraud and that he would get the 3 payments reimbursed within 12 hours He also told me that the only way to protect my account was to go to a chase branch in person and deposit {$23000.00} into an account number he provided and not to speak to anyone at the bank because I couldn't trust them and that they had agents stationed in many branches. i went to a Chase branch near my XXXX XXXX transferred the $ He stayed on my phone the whole time but told me not to let anyone see my phone He kept calling and said everything was resolved and he would call me in the am. I started to realize this was a scam that night This happened on XX/XX/XXXX. 
i called the banks fraud protection dept and kept getting transferred to different departments. I finally got assistance from a phone employee who told me he filled a report about the XXXX scam. He told me he was pretty sure I would get that money back but that I had to see a banker about the withdrawal and deposit, the banker tried to help me. She froze the account I transferred the {$23000.00} to. It is a chase account and told me the recipient had taken {$3000.00} out but there was {$20000.00} left that I asked they transfer back to my account. She said she needed to talk to her manager who then took over. The manager told me they couldn't reimburse me because I did the transaction in person. The banker had told me that if i had come back to the bank within 2 hours of the deposit she could have reversed the deposit. That doesn't make sense since the manager said They were not responsible since I did the transaction in person, Ignoring clear evidence of a criminal imposter fraud, and Claiming they have no responsibility because the deposit was made in personeven though it was under coercion and false identity. 
She told me she would file a report but she didn't that I would be refunded snd they were not responsible for the XXXX payments because they were a XXXX party She told me she was going to open a case and to file a police report which I should fax to the complaint department- info she provided I did file a report XX/XX/year> and am waiting to get a copy from the detective that took the report at the XXXX precinct. 
I have no faith that Chase will recover my money because of her total negativity I spoke to a branch manager i know at XXXX he told me it didn't matter if this was done in person if the deposit was made in the same bank, they would have definitely refunded me

Company response to consumer: Closed with explanation