Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #6363066

Complaint Overview

Complaint ID: 6363066

Company: Jpmorgan Chase & Co.

Product: Money transfer, virtual currency, or money service

Sub-Product: Domestic (US) money transfer

Issue: Fraud or scam

State: California

ZIP Code: 95949

Date Received: 2022-12-26T12:00:00-05:00

Date Sent to Company: 2022-12-26T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On XX/XX/XXXX at XXXX am, I received a text message from what I thought was Chase Bank asking about a purchase at XXXX for {$440.00}. I pressed " no '' and received a call from a woman claiming to be from Chase, asking about the same purchase. To continue working with the supposed Chase representative, I was sent a link to login and verify my account. I assume this is how the fraudster had access to make transfers and see my transaction data. I told the woman I did not make the purchase and she sent me a code to authenticate the call. The call was dropped due to poor cell service. I agreed with the woman to continue the call in a half hour, after I was in a better area for cell service. After dropping my son off at school, I received another call from the woman, who began to review my account transactions with me. We noticed an unauthorized {$100000.00} transfer from my savings to my checking account. The woman asked me to validate my account by texting them a number. I assume this was the wire transfer verification number. The woman reassured me that she was working to stop the transfer. We received a text from Chase saying the money was being transferred back to my savings account. The woman instructed me and my wife to go to our bank. We arrived at the bank ( which had not yet opened ) and were still on the phone with the woman. When the bank opened, my wife and I spoke with a bank manager, XXXX XXXX, and handed her our phone so she could verify the identity of the woman on the call. XXXX asked the woman for additional verification numbers, but the woman refused to provide them. XXXX determined that the call was not from Chase and hung up. At XXXX XXXX, my wife and I were at Chase bank complaining about the fraud. The wire had not yet gone through. We filed a fraud claim with Chase and were told that our accounts had been frozen. At XXXX XXXX, the wire went through, despite XXXX having put a hold on our online account. My wife and I went to XXXX XXXX XXXX and tried to put a hold on the fraudulent wire, but were told to file a fraud claim with Chase. We called XXXX XXXX XXXX XXXX XXXX department and were told they were able to put a hold on the wire. XXXX XXXX XXXX told us that the money was frozen and that we needed to work with Chase 's fraud department to get it back. We then provided XXXX with the XXXX XXXX XXXX email for fraud communication to ensure that the funds were not released. By Monday morning, however, we went into Chase and found that the funds were released. We then filed a report with the police.

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

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