Consumer complaint received 2025-06-04 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:
I am submitting this complaint as a victim of a job scam that resulted in financial loss and insufficient support from my financial institution, Chase Bank. 

I was contacted by an individual who falsely claimed to represent a legitimate company and offered me a remote job position. Believing the offer to be real, I was sent a check to cover equipment costs and was instructed to wire funds as part of the onboarding process. The first wire transaction failed to process, but the second one went through successfully. However, shortly afterward, Chase Bank identified the deposited check as fraudulent by which time, the receiving party had already received the funds I had wired. I was operating under the false pretense that I was employed by a legitimate company. 

Upon realizing the situation, I immediately contacted Chase Bank and filed a claim. A Chase representative informed me that although the claim would likely be denied, it could be reopened upon submission of supporting evidence. 

As expected, I received a formal denial of the claim. However, I was not given the opportunity to reopen it or to provide additional evidence. I was denied any further support from Chase, and the matter was closed without a thorough investigation, despite my proactive efforts and cooperation. 

Following the guidance of a Chase associate, I filed a criminal complaint with the FBIs Internet Crime Complaint Center ( IC3.gov ), but I have yet to receive meaningful resolution or recourse. 

I am seeking the CFPBs assistance in urging Chase Bank to properly review my case, allow for a resubmission of evidence, and take appropriate responsibility in supporting victims of increasingly job scams in this era of financial instability. 

I want to reflect and point out the filed attach of the message I have received from XXXX XXXX  XXXX labeled as [ Chase_Response ]. 

I must call into question the credibility of the so-called " beneficiary 's '' response, which Chase has quoted in its denial : " PLS BE ADVISED XXXX HAS DENIED DEBIT AUTHORIZATION SO WE ARE NOT ABLE TO COMPLY WITH YR REQUEST. PLEASE HAVE REMITTER CONTACT BENEFICIARY DIRECTLY. WE CLOSE OUR FILE. '' Is this truly the kind of language and format one would expect from a legitimate corporate entity or financial institution? The lack of professionalism, clarity, and formality in this message should raise immediate red flags to XXXX. It is difficult to believe that any reputable organization would issue a response so poorly worded and dismissive. That Chase would accept this as a valid basis to close a casewithout further verification or investigationis deeply concerning and suggests a failure to uphold proper standards of due diligence. 

I have also attached the email thread by the perpetrators of this scam so that a fuller picture can be made. 

[ XXXX ] - First contact with employment process and employment letter [ XXXX ] - The secondary point of contact that facilitated the fraudulent check

Company response to consumer: Closed with explanation