Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #18994850
Complaint Overview
Complaint ID: 18994850
Company: Jpmorgan Chase & Co.
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Fraud or scam
State: California
ZIP Code: 94531
Date Received: 2026-01-25T12:00:00-05:00
Date Sent to Company: 2026-01-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I contacted an individual advertising a XXXX XXXX puppy for sale online. The seller contacted me via text message and instructed me to review an email containing pricing details. The total price was {$650.00} for the puppy and {$300.00} for air transportation. I agreed to these terms, signed a contract, and sent {$950.00} via XXXX to a phone number listed under the name XXXX XXXX ( XXXX ). The seller, who identified himself as XXXX, stated the puppy would be shipped the following day. Shortly after, he informed me that an additional payment was required for a travel crate. The next morning, I received an email stating the crate would cost {$1500.00} to ensure the puppy could travel safely. As this was my first time having a puppy shipped by plane, I believed this was a legitimate requirement. When I attempted to send the payment, I encountered bank transfer limits. The seller then instructed me to send the funds via XXXX. After the payment was sent, I was informed that an additional {$1000.00} was required for pet insurance, which I also paid via XXXX. After these payments, the seller stated I needed to send more money for vaccinations. At this point, the situation became suspicious. I researched the shipping company the seller claimed to be using and discovered it was not a legitimate business. The associated website also appeared fraudulent. Despite this, the shipping company claimed I would receive a full refund of {$2500.00} once the puppy was delivered. I requested proof of the puppys vaccinations, but the seller was unable to provide any documentation and continued to give excuses. When I refused to send additional funds, I informed the seller that I no longer wanted the puppy and requested a refund. He refused and stated that the shipping company required an additional {$650.00} payment to return the puppy. Upon reviewing the contract again, I confirmed that there was no mention of mandatory pet insurance, a travel crate fee, or additional vaccination costs. At that point, it became clear this was a scam. I contacted my bank to report the fraud and request a refund, but my claim was denied. I believe this was an intentional online pet scam involving false representations, escalating fraudulent fees, and the use of XXXX to avoid traceability.
Frequently Asked Questions
What is Complaint #18994850 about?
Complaint #18994850 was filed against Jpmorgan Chase & Co. regarding Money transfer, virtual currency, or money service specifically about Fraud or scam. It was received by the CFPB on 2026-01-25T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Money transfer, virtual currency, or money service) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.