Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #5057137

Complaint Overview

Complaint ID: 5057137

Company: Jpmorgan Chase & Co.

Product: Money transfer, virtual currency, or money service

Sub-Product: Mobile or digital wallet

Issue: Fraud or scam

State: New York

ZIP Code: 11423

Date Received: 2021-12-30T12:00:00-05:00

Date Sent to Company: 2021-12-30T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

From XX/XX/2021 to XX/XX/2021, I received phone calls from a number purporting to be a Chase representative ( XXXX ). This number is actually a Chase fraud number, and I was tricked into believing that the person on the other line was actually a Chase representative. The person provided me a name and an employee ID number and notified me that my XXXX account was hacked and that someone had tried to perform an unauthorized wire transfer. I logged into my XXXX account on my own and discovered that it was in fact hacked by someone named XXXX, and so I had further reason to believe that the person on the line was someone from Chase. He provided me information about my address and the location that I was in, and at this point I was convinced that I was talking to a Chase representative. The person on the other line told me that there was a hold placed on the supposed wire transfer, and in order to retrieve the money back, I would have to XXXX money to myself using my phone number to my phone number. To be more clear, I was using XXXX to send money directly to my own cell phone number. Although it seemed strange, I believed that this was alright because I was sending the money to my own phone number which should have been associated with my Chase and XXXX acount. On XX/XX/2021, I sent {$2000.00} to myself. On XX/XX/2021, I sent another {$2000.00} to myself. On XX/XX/2021, I sent {$1200.00} to myself. In total, over the course of 3 days I had supposedly sent {$5200.00} to myself. I called this phone number directly during this time period at a separate time, and it took me to Chase 's answering machine, so I knew this was a Chase verified number. However, on XX/XX/2021, I had called the number again and this time spoke to an actual representative. After telling her the details of my case, she informed that this was a scam, and the scammer had masked their number using an actual Chase number. She helped make a real claim to return my money. However, on XX/XX/XXXX, I received notice from Chase that my disputed funds were not approved and that I would not be receiving my money back. This is despite the fact that my account was clearly hacked. I have already contacted XXXX recently through this consumer complaint form, however they have directly stated that it is up to the " bank or credit union and their terms and conditions with their users regarding reimbursement of any payments made ''. As a result, I believe that Chase needs to act on this and help return my money.

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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