Consumer complaint received 2026-04-02 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/XXXX, I visited XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, completed a self-checkout purchase ( between XXXX ), and then went to the Chase branch located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, where I withdrew {$1100.00} from my checking account by way of a male Bank teller at approximately between XXXX. Several hours later, I received a text message stating : Chase Alert : Did you approve {$480.00} at XXXX? Reply YES or NO. Reply HELP for help, STOP to end msgs. I responded NO. At XXXX PM, I received a call from ( XXXX ) XXXX from an individual identifying himself as XXXX XXXX from Chase Fraud Department. He asked whether I made the XXXX purchase ; I again responded no. While logged into my Chase account, XXXX instructed me to review recent activity and asked whether I saw a wire transfer of {$9300.00} already deducted from my account. I want to state clearly and unequivocally : I DID NOT AUTHORIZE this wire transfer on ( XX/XX/XXXX ) in the amount of {$9300.00}. This was already on my activity on my bank account. I DID NOT receive any Chase notification regarding this wire transfer XXXX stated that he would make note of the fraudulent wire and then informed me that the fraud appeared to be originating from inside Chase. He instructed me to protect my funds by transferring money to a newly created safe account in my own name. He directed meover multiple callsto send wire transfers slowly to an account titled XXXX XXXX, XXXX, assuring me that : The claim was under XXXX XXXX review A new Chase debit card was being expedited ( which I never received ) He was providing ongoing status updates tied to my real Chase account ending in Over the course of XXXX consecutive days, XXXX continued to contact me, providing highly specific and accurate information about my accountsincluding knowledge that I held XXXX savings accountsdespite the fact that I never disclosed balances, account numbers, or sensitive information to him. He further claimed that fraudulent activity was tied to multiple Chase branches in XXXX and instructed me to move additional funds from my savings account to the same safe account. On Saturday, XX/XX/XXXX, it was clear that I was victim to a wire fraud scam where the funds were sent to XXXX XXXX bank accounts in a XXXX, XXXX. Chases initial denial claims the transfers were authorized or that I benefited from the funds, which is factually incorrect.Law enforcement, including the FBI XXXX and local police, have been notified ( XXXX XXXX XXXX Report # XXXX ) .The District Attorney froze the receiving accounts ; XXXX days later, funds were gone. I have filed prior CFPB complaints that were closed without resolution.Chase has provided a name of BENEFICIARY ACCOUNT NAME XXXX XXXX from XXXX, and was instructed that I contact the beneficiary to settle this matter on XX/XX/XXXX. As of XX/XX/XXXX, XXXX stated, XXXX reviewed your concerns and determined that you are not an authorized signer on an account with XXXX. XXXX appreciates you bringing this matter to our attention ; however, we can not provide information on an account, for which you are not an authorized signer. Please continue to work with Chase for further resolution on this matter. Both Chase and XXXX have delayed cooperation, despite law enforcement involvement. Additionally, my Chase banking information continues to be compromised, with phishing emails and scam calls occurring even after opening new accounts to prevent further unauthorized access. This ongoing vulnerability demonstrates poor oversight of customer security and insufficient regulatory safeguards to prevent repeated fraud. Chase has delayed providing documentation or escalation, and XXXX XXXX has obstructed law enforcement by not providing timely records to trace the funds. Despite repeated attempts to work with both banks, I have not received meaningful assistance.

Company response to consumer: Closed with explanation