Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this as a formal complaint and escalation regarding extensive fraudulent activity on my former Chase savings account and Chases handling and closure of Claim # XXXX ( closed XX/XX/XXXX ). 

Between XX/XX/XXXX and XX/XX/XXXX, unauthorized ACH debits were made from my Chase savings account using XXXX XXXX, an international money transfer service. These transactions were conducted using my identity without my authorization and resulted in approximately {$47000.00} being removed from my account. 

Key Facts No debit or credit card was ever issued or linked to this savings account No wire transfers were authorized Chase alerts were enabled for wire activity, yet no alerts were ever sent for these ACH debits Chase failed to notify me of the unauthorized withdrawals during the time they occurred Law Enforcement Involvement Police Report : Case # XXXX XXXX XXXX XXXX XXXX  ( NJ ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX issued subpoenas to both Chase and XXXX. The responses were conflicting : Chase stated the funds were sent through XXXX XXXX XXXX XXXX provided records showing the funds were sent to the XXXX XXXX, through XXXX XXXX, to the following recipients : XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX transactions involved a cash pickup of {$810.00} Deficiencies in Chases Investigation My claim was closed without notice or discussion, despite repeated follow-ups with Chase supervisors A Chase XXXX XXXX stated that XXXX suffered no financial loss, as XXXX refunded the funds to Chase Despite this, I was told Chase could not take further action because the claim was closed My request to speak with a XXXX was explicitly declined I was advised incorrectly and inappropriately to take it to small claims court My savings account was closed, and I was not provided a final written claim determination or investigative report Chase refunded me {$13000.00} which was the total amount of money lost during the first XXXX days of the fraud. I am still owed approx. {$34000.00}. 

To date, I have no documentation explaining : How the fraud occurred Why alerts failed Why Chase closed the claim How Chase reconciled conflicting subpoena responses Why I was denied escalation or supervisory review I Requested Action I formally request the following within XXXX business days : A complete copy of the final claim report and investigative findings Documentation showing : Dates, amounts, and ACH authorization details for each fraudulent transaction The receiving bank ( s ) and routing details A written explanation of : Why Chase failed to alert me Why the claim was closed Why my account was closed Confirmation of whether Remitly reimbursed Chase and on what basis Reopening of my claim for full review with a dedicated XXXX or executive-level contact Client Relationship I have been a Chase Private Client for many years, with historical balances between {$500000.00} and {>= $1,000,000}. I also hold : Chase credit cards ( XXXX years ) A Chase mortgage on my primary residence I was working concurrently with my local Chase branch XXXX in XXXX XXXX NJ , who has filed an internal complaint on my behalf. I expect Chase to address this matter transparently and in good faith. 

Absent a substantive response, I am prepared to escalate this matter to : The Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil action if necessary

Company response to consumer: Closed with explanation