Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX I received a text from a number identifying themselves as XXXX XXXX XXXXXXXX and was alerted to fraudulent activity on my account. The text asked if {$1100.00} charged to XXXX was me. I typed no then the next text said no further action was needed and a representative would reach out to review. I googled if XXXX texts their customers and they do. The representative then called me and went over numerous charges in other states to which I declined making. He then said because my XXXX account was tied to my Chase account ( which it is so it sounded very believable ) he would put me in contact with someone from JP Morgan. Then someone claiming to be from JP Morgan Chase XXXX department named XXXX went over numerous pending transactions ( XXXX $ worth ), none of which I had made. In order to protect my funds he instructed me to transfer my remaining money to XXXX alias accounts because he told me they were conducting an internal investigation due to suspecting a bank employee at my local branch was helping to commit fraud. He told me the alias names were under my account and I would have access to them within XXXX hours. These accounts did not have separate routing numbers therefore it wasnt immediately setting off alarm bells. This individual was able to tell me my local bank address, my social security, my birthday, and address so it felt incredibly legitimate. I then out of nervousness went to the Chase bank in XXXX to ask for a wire transfer instead of a member to member transfer. The exact first amount was {$45000.00} to be wired to the alias account in XXXX XXXX name with account number XXXX. I have never wired money or initiated a member to member transfer so I wasnt aware of the protocol or differences. During the first wire transfer the bank teller XXXX did not ask for a routing number, an address, etc. She did ask how the funds would be used to which I said personal use. She did not ask me how I intended to get the funds or made me aware that I was not an authorized user on the alias account. Once I looked back over the paperwork I also noticed she failed to have me read, sign, or date the how to spot fraud paperwork that is included in the wire transfer agreement. She also failed to fill out the XXXX approval section of the document. The scammer had me on the phone this entire time mind you. The scammer then instructed me to cancel the wire and go back to ask for a member to member transfer. I went ahead and did that again without any questions from the tellers. Then XXXX instructed me to make another member to member transfer at the XXXX XXXX. I went ahead and drove to XXXX to again do the same process. Here I asked for a {$42000.00} transfer to alias account XXXX XXXX. Again no questions were asked of me so I figured everything was legitimate. XXXX insisted that the member to member transfer was faster and more efficient. On XX/XX/XXXX XXXX from Chase arranged a call back with me and made me aware that the scammer was still trying to access my funds therefore I should move the remaining money. At this moment it clicked for me that something was not right. I then immediately drove back to the XXXX chase to make them aware of the fraud. There the teller ( her name is on the member to member receipt I brought the police ) said oh I had bad feeling and should have said something but didnt - my significant other was present for this conversation and can attest to this. There the fraud department told me my claim was denied and I was offered XXXX support from the bank staff. Then I went directly to the police station to fill out a report. After that we went back to the XXXX branch to make them aware of the situation. They instructed me to call the fraud department who then hung up on us both personally and then again hung up on the bank tellers. At this point XXXX of the tellers was able to escalate my issue and specifically told me ALL funds had been successfully frozen and neither I or the scammer could reach them. He also told me this specific account had been flagged for fraud numerous times. Approximately XXXX week later I get a call from the branch XXXX XXXX who told me XXXX recovered XXXX then an additional XXXX $ which ended up adding up to XXXX XXXX I in total lost a little under XXXX. XXXX assured me I would be getting back all my money due to our quick action. Yesterday ( XX/XX/XXXX ) I called him because it had been about XXXX days since I had heard anything and desperately needed access to my money again. He told me the remaining money ( around XXXX ) had been moved to different accounts and he could no longer assure me I could get it back. He said he has to go further up the chain of command. I do not know where to go from here but I believe without acting the bank wouldnt have helped me secure any funds. I also believe they were incredibly negligent in this entire process. XXXX weeks ago I was assured I would receive all my money back since they flippantly sent it without much of any consumer protection in place. I also was told the very next day ( crime was reported in XXXX hours ) that all funds were frozen and the scammer could not access them yet today XXXX and some change is magically missing and Chase cant seem to account for it. I greatly appreciate any help and can provide you with police and FBI reports. Thank you for your time.

Company response to consumer: Closed with explanation