Consumer complaint received 2025-11-04 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 received a notification from Chase Bank indicating that a transfer of {$25000.00} had been transferred from my savings account to my checking account. I immediately contacted Chase customer service, as I had not initiated or authorized this transfer. The representative assured me that my account was secure, changed my login credentials ( User ID and password ), and told me no further action was needed. I expressed my concern and requested to withdraw my funds due to the suspicious activity, but the representative assured me of the safety of my funds. The next day, on XX/XX/year>, I logged into my Chase account and discovered that the {$25000.00} had been wire transferred out of my checking account to a XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX Ref. XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX : XXXX ). I did not know about this wire transfer, nor did I authorize it. I immediately contacted Chase customer service again and was transferred to the Wire Inquiry Department, where I filed a formal complaint. The representative informed me that an investigation would be initiated and that it could take up to two weeks. I also visited my local Chase branch, and the manager advised me to wait for the outcome of the inquiry. After two weeks, I received a letter from Chase stating that they needed more time. Another two weeks later, I received a follow-up letter indicating that the investigation was closed and that no reimbursement would be provided. The reason given was that both my wife and I are joint account holders, and they believed one of us had authorized the transfer, which is completely untrue. Neither of us initiated nor approved this transaction. I went to the XXXX XXXX XXXXXXXX Police Department ( XXXX XXXX ) to report the incident, thinking that I could get help. The officers there stated they needed a written letter from Chase Bank acknowledging that the wire transfer occurred due to bank error or negligence. 
However, Chase Bank refused to provide such a letter, leaving us in a loop between the police and the bank, with no resolution. Due to the lack of help, I retained Attorney XXXX XXXX XXXX, XXXX, from XXXX XXXXXXXX XXXX XXXX on XX/XX/year>, and paid approximately {$3500.00} for representation. However, beginning in XX/XX/year>, the attorney stopped communicating with us and demanded additional payments without progress on the case. We later received an email from the law firm stating they had stopped working on our case entirely. Frustrated and out of options, I contacted 311, and they referred me to the Office of the Comptroller of the Currency ( OCC ). After reviewing the situation, the OCC advised me to file a formal complaint with the Federal Bureau of Investigation ( FBI ). To date, this issue remains unresolved. The {$25000.00} was taken through an unauthorized wire transfer, and every attempt to recover the funds or receive acknowledgment from the bank has failed. The emotional, financial, and psychological toll this situation has taken on my family is immense. I did not get any help from the bank, the XXXX, or a lawyer. I am helpless now. As a last hope, I am looking for your help in investigating this case of wire fraud transfer.

Company response to consumer: Closed with explanation