{"took":915,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":36,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17884682","_score":22.42553,"_source":{"product":"Checking or savings account","complaint_what_happened":"What happened : On XX/XX/XXXX, I immediately responded No to XXXX fraud alert asking whether I made an attempted {$20.00} charge. XXXX system declined that {$20.00} attempt based on my response, but despite this, Chase proceeded to allow multiple additional unauthorized transactions to go through afterward, totaling {$100.00}. I reported the activity immediately through the Chase fraud alert system. Chase informed me that they can not dispute these unauthorized transactions and that I must contact the merchant, even though these are unauthorized electronic fund transfers covered under Regulation E. The bank refused to assist or investigate properly. I am requesting the CFPBs assistance in ensuring that Chase follows Regulation E, opens and properly investigates my claim, and reimburses the {$100.00} in unauthorized transactions.. \nDespite this, Chase has refused to treat this as an unauthorized electronic fund transfer, which it clearly is under Regulation E ( Electronic Fund Transfer Act ). \nAmount disputed : {$100.00} total of apple.com, tiktok shop How Chase responded : Chase informed me that they can not dispute the unauthorized transactions and told me that I must dispute through the merchant instead. Chase has closed out my dispute and will not assist further. \nThis is incorrect and violates Regulation E. \nThe law states that unauthorized debit card transactions must be investigated and resolved by the bank, not the merchant. Merchant disputes only apply to authorized transactions, not stolen-card fraud. \nWhy I am filing this complaint : Chase is refusing to follow Regulation E and is improperly pushing liability onto me and onto the merchant. These were unauthorized transfers conducted with a stolen card, and I reported the theft immediately on the same day through XXXX fraud alert system. \nI am requesting the CFPBs assistance in : 1. Requiring Chase to properly process this as an unauthorized electronic fund transfer under Regulation E, 2. Opening the claim, 3. Issuing the required provisional credit, and 4. Providing a written explanation consistent with federal law. \nSummary : Card stolen Unauthorized debit transactions total {$100.00} Reported immediately on XXXX XXXX  through Chase fraud system Chase refused to process under Regulation E Chase incorrectly told me to contact the merchant Chase is refusing any assistance I am requesting that the CFPB ensure Chase complies with federal law and resolves this unauthorized transaction appropriately. \n\nThe banks handling of this claim has caused me unnecessary stress and taken up significant time. I am disappointed that the Chase fraud department failed to follow its legal obligations under Regulation E, forcing me to escalate this matter to the CFPB for resolution.","date_sent_to_company":"2025-11-24T15:20:57.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"32806","tags":null,"has_narrative":true,"complaint_id":"17884682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-24T15:01:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The bank <em>refused</em> to assist or investigate properly. I am requesting the CFPBs assistance in ensuring that <em>Chase</em> follows Regulation E, opens and properly investigates my claim, and reimburses the {$100.00} in unauthorized transactions.. \nDespite this, <em>Chase</em> has <em>refused</em> to treat this as an unauthorized <em>electronic</em> fund transfer, which it clearly is under Regulation E ( <em>Electronic</em> Fund Transfer Act )."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[22.42553,"17884682"]},{"_index":"complaint-public-v1","_id":"5787695","_score":21.903067,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a Chase customer and have been using their bill pay services for years. Most all large companies support electronic statements and billing directly to the Chase bill pay service, except for XXXX retail card services. Many stores use XXXX retail card services and many stores switch between competitors like XXXX, XXXX and others. The problem is that Chase and XXXX have a dispute and Chase refuses to allow for electronic statements from a XXXX credit card, such as XXXX XXXX. When a company, like XXXX XXXX, moves their business to XXXX retail card services, as a Chase customer, I lose access to electronic bills within the Chase bill pay app. Since I, and millions others, rely on electronic bill pay services, and have long ago stopped with paper statements, not having electronic statements via Chase bill pay leads to late payments and fees for XXXX. Considering that Chase supports XXXX, XXXX and other large bank card services on their bill pay service, there is no technical reason they can't support XXXX retail card services. If XXXX and Chase have reciprocal sanctions against each other 's credit card bills, I assume that this leads to millions in credit card late fees. Chase should be forced to support XXXX retail card services on their bill pay platform in the same manner that they support other credit card companies, for both electronic statements and payments. \n\nI have enclosed a screenshot from my Chase bill pay service that shows that XXXX XXXX, the only XXXX retail card services account on this screen shot, does not support XXXX.","date_sent_to_company":"2022-07-19T18:30:12.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"106XX","tags":null,"has_narrative":true,"complaint_id":"5787695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-07-19T18:14:40.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["I am a <em>Chase</em> customer and have been using their bill pay services for years. Most all large companies support <em>electronic</em> statements and billing directly to the <em>Chase</em> bill pay service, except for XXXX retail card services. Many stores use XXXX retail card services and many stores switch between competitors like XXXX, XXXX and others. The problem is that <em>Chase</em> and XXXX have a <em>dispute</em> and <em>Chase</em> <em>refuses</em> to <em>allow</em> for <em>electronic</em> statements from a XXXX credit card, such as XXXX XXXX."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[21.903067,"5787695"]},{"_index":"complaint-public-v1","_id":"15890778","_score":20.170969,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, multiple unauthorized transactions totaling {$5200.00} were made on my Chase account because my phone was stolen, which allowed unauthorized access to my account. \nXXXX transaction of {$110.00} was recorded incorrectly by a bank employee as XX/XX/year>, showing errors in their record-keeping. \nDuring a recorded call with a Chase disputes department employee, they explicitly stated that the reason for denying my dispute was that the bank can not reverse transactions with the merchant. This explanation is not compliant with Regulation E, which requires banks to investigate and provisionally credit any unauthorized or fraudulent electronic transactions reported in a timely manner. \n\nI submitted multiple pieces of evidence after the denial, including a police report, XXXX and XXXX notifications of the stolen phone, and a letter from the XXXX XXXX XXXX confirming the phone ( and my passport ) were stolen. Despite this, Chase refused to reopen the dispute or provide any credit, relying on an incorrect justification that conflicts with federal law.","date_sent_to_company":"2025-09-11T23:01:14.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"22102","tags":null,"has_narrative":true,"complaint_id":"15890778","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-11T22:36:38.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Despite this, <em>Chase</em> <em>refused</em> to reopen the <em>dispute</em> or provide any credit, relying on an incorrect justification that conflicts with federal law."],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[20.170969,"15890778"]},{"_index":"complaint-public-v1","_id":"11105590","_score":17.98041,"_source":{"product":"Checking or savings account","complaint_what_happened":"Summary of Issue : On XX/XX/XXXX, I purchased two pairs of shoes from XXXX in XXXX XXXX for {$2100.00}. After an event we planned to attend was changed to an all-black attire dress code, we attempted to return the shoes to XXXX XXXX XXXX XXXX XX/XX/XXXX. The items were unworn, with tags attached, and in perfect condition. A staff member initially stated an exchange would be possible, but another insisted we needed the original cardboard boxes to proceed, despite us complying with their online return policy, which does not mention boxes. I was told to return to LA to process the exchange, which was unreasonable and impractical. \n\nFiling the Dispute : I filed a chargeback with Chase for the XXXX Chase provided a provisional credit but later reversed it on XX/XX/XXXX without any prior notification or written explanation. This caused overdraft fees to accumulate. Under the Electronic Funds Transfer Act ( EFTA ) and Regulation E, Chase is required to notify customers of such reversals and provide an explanation, including ensuring overdraft fees are not charged on pending transactions resulting from the reversal. Chase failed to meet these obligations.\n\nChases Investigation Failures : Initially, Chase stated the vendor claimed I never attempted a return, which was false. \nLater, they claimed the vendor provided proof I returned the items without boxes, which does not violate XXXX return policy as stated on their website. \nI provided emails, receipts, and even the unworn shoes in dust bags with all tags intact. However, Chase mishandled the evidence submission process repeatedly, losing faxes and failing to reopen the dispute despite my repeated efforts. \nWhen I requested to see the vendors evidence, Chase refused to provide it, citing only the receipt and the box requirement, which is not supported by XXXX online return policy. \n\nXXXX Inconsistent Return Policies : XXXX receipt return policy mentions packaging must be attached, but their online return policy only requires items to be unused, unworn, and with tags. There is no mention of a box being required on their website. This inconsistency misleads customers and undermines their case. \n\nChases Mistreatment of Customers : Chase did not perform a thorough investigation and sided with the vendor without addressing the clear contradictions in XXXX policies. \nThey failed to notify me of the provisional credit reversal, violating Regulation E, and initially allowed overdraft fees to accrue until I fought to have them waived. \nChases repeated mishandling of the dispute process ( losing evidence, failing to reopen claims, and refusing to share their findings ) shows a lack of accountability and consumer protection.","date_sent_to_company":"2024-12-10T18:32:03.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"109XX","tags":null,"has_narrative":true,"complaint_id":"11105590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-10T18:18:07.000Z","state":"NY","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["<em>Chases</em> repeated mishandling of the <em>dispute</em> process ( losing evidence, failing to reopen claims, and <em>refusing</em> to share their findings ) shows a lack of accountability and consumer protection."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[17.98041,"11105590"]},{"_index":"complaint-public-v1","_id":"15414281","_score":17.291878,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX for formal complaints ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Demand for Enforcement JPMorgan Chase and XXXX Violating Federal, State, and International Consumer Protection Laws To Whom It May Concern, I am submitting this formal complaint and demand for enforcement against JPMorgan Chase Bank , N.A . and XXXX XXXX for their unlawful conduct, deceptive practices, and blatant disregard for consumer protection laws. \n\nI purchased a product using a Buy Now, Pay Later ( BNPL ) arrangement through XXXX, which was charged to my Chase debit-credit card. The product was defective, and I initiated a dispute. XXXX responded with contradictory statements and refused to investigate. Chase claimed they could not help because its a BNPL transaction and out of their hands. That is false. Chase facilitated the payment, and both entities are legally obligated to support dispute resolution. \n\nI explicitly instructed Chase to block further withdrawals related to the disputed transaction. They ignored this directive and continued allowing XXXX to withdraw funds. XXXX, meanwhile, issued multiple conflicting statements and denied responsibility, despite clear obligations under federal law. \n\n\n\nViolations Committed JPMorgan Chase : Refused to investigate a disputed charge initiated through their card. \nContinued withdrawals after being instructed to block payments. \nMisrepresented my legal rights by claiming XXXX transactions are not eligible for dispute. \n\n\nXXXX : Issued contradictory and misleading statements. \nRefused to investigate a defective product claim. \nLied about their obligations under federal law and CFPB guidance. \n\n\nLaws Violated Federal Law 1. Truth in Lending Act ( TILA ) 15 U.S. Code 1666 Grants consumers the right to dispute charges for goods not received or accepted.\n\nRequires creditors to investigate disputes and prohibits retaliation or penalty.\n\nKlarna is now classified as a credit card issuer under CFPBs XXXX XXXX interpretive rule. \n\nXXXX. Electronic Fund Transfer Act ( EFTA ) 15 U.S. Code 1693h Requires financial institutions to block unauthorized or disputed transfers. \nChase violated this by continuing withdrawals after my directive. \n\nXXXX. CFPB Interpretive Rule XX/XX/XXXX BNPL providers are now treated as credit card issuers under Regulation Z. \nXXXX must offer dispute protections ; Chase can not disclaim responsibility. \n\n\n\nXXXX  Law 1. Texas Deceptive Trade Practices Act ( DTPA ) Tex. Bus. & Com. Code 17.41 et seq. Prohibits false, misleading, or deceptive acts in commerce. \nChase and XXXX misrepresentations and refusal to act are violations. \nAllows for actual damages, attorneys fees, and treble damages if conduct is knowing or intentional. \n\n\n\nInternational Standards XXXX. UK Financial Conduct Authority ( FCA ) Section 75 of the Consumer Credit Act Holds credit issuers jointly liable with merchants for defective products. \nXXXX operates internationally and is subject to these standards. \n\nXXXX. EU Consumer Credit Directive ( XXXX update ) Requires BNPL providers to offer dispute resolution and refund mechanisms. \nXXXX conduct violates these emerging standards. \n\nXXXX. Australian Treasury Laws Amendment Bill XXXX XXXX providers must act as licensed credit providers and offer consumer protections. \nXXXX refusal to investigate and issue refunds breaches these norms. \n\nDemand for Enforcement I demand that your agencies : XXXX. Investigate JPMorgan Chases refusal to honor dispute rights under TILA and EFTA. \nXXXX. Hold XXXX accountable for deceptive conduct and failure to comply with CFPBs BNPL guidance. \nXXXX. Issue regulatory penalties and compel both entities to refund the disputed amount. \nXXXX. Audit Chases  BNPL practices for systemic violations and potential collusion with XXXX. \n\n\nI am prepared to submit full documentation, including receipts, correspondence, audio recordings, and written directives that Chase  and XXXX ignored. Their conduct is not a misunderstandingit is a calculated violation of law. \n\nAccording to I bought something that says goat clothing, and shoes, which I did not. And everything was recorded on Chase.Klanra This is a demand for enforcement. Not a request. Not a negotiation. Not a delay. \n\nSincerely, XXXX XXXX ( XXXX ) Consumer Advocate XXXX, XXXX XXXX Thanks","date_sent_to_company":"2025-08-20T13:37:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"76227","tags":"Servicemember","has_narrative":true,"complaint_id":"15414281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-20T13:25:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I explicitly instructed <em>Chase</em> to block further withdrawals related to the <em>disputed</em> transaction. They ignored this directive and continued <em>allowing</em> XXXX to withdraw funds. XXXX, meanwhile, issued multiple conflicting statements and denied responsibility, despite clear obligations under federal law. \n\n\n\nViolations Committed JPMorgan <em>Chase</em> : <em>Refused</em> to investigate a <em>disputed</em> charge initiated through their card. \nContinued withdrawals after being instructed to block payments."],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[17.291878,"15414281"]},{"_index":"complaint-public-v1","_id":"3658734","_score":16.775318,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am the victim of identity theft and fraud through an ex girlfriend which occurred over a two year period from XX/XX/XXXX until XX/XX/XXXX. I filed charges against this person for impersonating me and stealing thousands of dollars through 3 credit cards of mine, Chase, XXXX XXXX XXXX, and XXXX. Two of these cards, XXXX XXXX XXXX and XXXX cleared the fraudulent debt immediately with no trouble, but Chase has continued to improperly report this debt to intentionally damaged my credit report through false reports. I have attempted to resolve this issue for more than a year on my own to no avail. The Chase card \" investigators '' of the fraud claim have fabricated information making such claims as I provided access to these cards on my own free will, allowed the ex to use them, and even that I was liable because we co-habitated making this a civil matter. I have asked them for documentation to show me where this evidence was gathered, but they refuse. I have never allowed this ex to use my cards and made it clear she took them without my permission, yet they filed reports that it was consensual and permission granted. \nI have asked for copies of their card agreement with the section highlighted showing me where this would be considered civil as a basis for this decision and they refuse ( I presume because it does not exist ), and have even asked for a copy of my agreement to where I signed this agreement binding me to these terms and contract, to which one was never been provided, either electronically or through the mail. \n\nAt no time was the person who stole this money given permission to access or use my credit cards, thus resulting in XXXX XXXX XXXX with my local police department of identity theft and credit card fraud. I have provided these police reports to Chase who refuses to accept them. Instead, Chase insists this matter is civil as a way to avoid honoring their fraud guarantee they promote in solicitation of their cards. When asked how I am not protected on this fraud protection guarantee, they continue to state their review has resulted in the investigation being deemed civil. Chase is knowingly damaging my credit for a debt they have been provided proof is not the result of my actions. They refuse to accept these documents and are the only company I have had any issues with as a result of this fraud. I have provided disputes to the credit bureaus and XXXX XXXX deleted the entry, yet XXXX and XXXX   continue to report this charged off card as valid because they state Chase has provided them responses that the debt is valid. In just XX/XX/XXXX Chase falsely reported to XXXX that the police report provided to them as proof of the fraud was in of itself a material misrepresentation! \n\nChase will stop at nothing to cause me damage on my credit in an attempt to force me to settle on this debt which is entirely a fraudulent account. I have no other late payments or derogatory marks on my credit history other than Chase. I have threatened Chase with legal action, to which the representative literally laughed stating I was bound by their arbitration agreement and they would choose the arbitrator and I would have to pay, so \" good luck ''. I understand this clause is an attempt to save time in the court system, but it is also to make it impossible to provide a fair trial in front of a judge. I then suggested Chase should simply sue me in court if they felt it was a justified debt, because I would never repay this debt and would be happy to explain this in front of a judge who would dismiss their case. Naturally, Chase refuses to accept this offer because they know they can not win as my evidence and officers who took the fraud report and investigators working the case can testify to the legitimacy of the fraud. \n\nThe attempt by Chase to prevent me from having this account deleted is purely for intentional damage to my financial health as well as to harass me to try to get me to break and settle this debt. Since I have attempted all other solutions, I am reaching out to your office for assistance in this matter. Chase is quite literally keeping me hanging in limbo and chooses not to take any actions of collection or court proceedings knowing they will lose, but also refuses to accept the documentation that this account was the result of Fraud. So at the suggestion of an investigator at the XXXX, NC police department, I am filing a complaint with your office with the hopes of finding some type of resolution to this matter. It is obvious Chase knows they can not be sued by me and thus are using the Davis  vs. Goliath mentality to push my back against the wall and try to blackmail me into paying them money to restore my credit. I refuse to cave into their intimidation tactics and lack of moral and questionable legal tactics and would to please like to request your assistance on this matter. If a police report with XXXX XXXX XXXX listed is not enough to provide proof of the legitimacy of this case, what is?","date_sent_to_company":"2020-05-19T16:33:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27530","tags":null,"has_narrative":true,"complaint_id":"3658734","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-05-19T16:23:06.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They <em>refuse</em> to accept these documents and are the only company I have had any issues with as a result of this fraud. I have provided <em>disputes</em> to the credit bureaus and XXXX XXXX deleted the entry, yet XXXX and XXXX   continue to report this charged off card as valid because they state <em>Chase</em> has provided them responses that the debt is valid."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.775318,"3658734"]},{"_index":"complaint-public-v1","_id":"15376310","_score":16.687592,"_source":{"product":"Checking or savings account","complaint_what_happened":"Regarding : XXXX XXXX XXXX, XXXX. \nAccount ending in : XXXX Dispute Claim Number : XXXX On XX/XX/year>, I sent a formal email to the merchant \" XXXX  '' to cancel my membership and explicitly revoke authorization for them to make any future XXXX withdrawals or debit card charges from all of my linked Chase accounts, including the account ending in XXXX. I have a copy of this email as proof. \nDespite my clear revocation of authorization, XXXX processed an unauthorized debit card transaction of {$190.00} from my account on XX/XX/year>. \nI filed an initial dispute with XXXX for this unauthorized transaction on XX/XX/year>. On XX/XX/year>, XXXX notified me that my dispute was denied. \nBelieving the denial was an error, I sent a formal request to XXXX on XX/XX/year>, asking for an escalated review and for the bank to initiate the Visa pre-arbitration process. In my request, I clearly stated that I had new and compelling evidencenamely, the email from XXXX proving I had revoked authorization with the merchant long before the charge was made. \nOn XX/XX/year>, XXXX XXXX XXXX XXXX denied my request to even review the case. They refused to look at my new evidence and provided no path forward other than to call a number for an explanation. This action is a direct failure by XXXX to conduct a \" reasonable investigation '' into a billing error as required by the Electronic Fund Transfer Act ( Regulation E ). By refusing to escalate the case with new evidence, they also failed to follow the Visa Core Rules for dispute resolution. \nI have exhausted all internal options with Chase. They have failed to investigate this matter properly and have allowed an unauthorized charge to stand, despite being notified that I have clear, dated proof of my attempt to prevent it.","date_sent_to_company":"2025-08-19T18:36:53.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"33990","tags":"Older American","has_narrative":true,"complaint_id":"15376310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-19T18:09:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["They <em>refused</em> to look at my new evidence and provided no path forward other than to call a number for an explanation. This action is a direct failure by XXXX to conduct a \" reasonable investigation '' into a billing error as required by the <em>Electronic</em> Fund Transfer Act ( Regulation E ). By <em>refusing</em> to escalate the case with new evidence, they also failed to follow the Visa Core Rules for <em>dispute</em> resolution. \nI have exhausted all internal options with <em>Chase</em>."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.687592,"15376310"]},{"_index":"complaint-public-v1","_id":"3088336","_score":16.10638,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am the victim of unauthorized electronic withdrawals from my checking and savings accounts with Chase Bank ; I contacted the bank XX/XX/XXXX immediately after discovering these withdrawals, which had taken place over the previous fourteen days. In addition another six unauthorized withdrawals had been taken from my savings account. Because these earlier transactions were beyond the 60 day timeline in which Chase would be held liable for the loss, Chase refuses to investigate the recent XXXX savings withdrawals ( totaling {$25000.00} ). They insist I sign a document listing all unauthorized withdrawals but list only the transactions from the earlier timeframe, none from XXXX. How can I sign a legal affidavit that asks for all unauthorized transactions when they dont allow me to include the XXXX transactions? Chase is unwilling to investigate the entirety of the electronic thefts and recover these funds after numerous requests. Timeline below : On XX/XX/2018 I discovered unauthorized electronic transactions to my personal checking account. I immediately called Chase to report these electronic withdrawals and was informed that they would be freezing this account. Not knowing how the intrusion happened and knowing all my Chase accounts are linked, I began checking all my other accounts and discovered unauthorized electronic transactions in my savings account. I alerted the Chase representative I was l on the phone with of this. I was then told they were freezing all my accounts, not just the checking, and would be receiving a letter from Chase listing the disputed unauthorized transactions for my review and verification. I was instructed to visit a branch office as soon as possible regarding the situation. \nOn XX/XX/2018, I visited to my local Chase branch in XXXX, NV to begin the process of closing/reopening accounts. While there, bank representative XXXX XXXX worked with me and obtained the letters for the two impacted accounts ( personal checking and savings ). We discovered together that the letter regarding the savings account failed to include all the unauthorized electronic transactions in XXXX ( starting with a trial debit and credit to XXXX on XX/XX/18, electronic transfers and payments to XXXX on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and an online payment to XXXX XXXX on XX/XX/18 ). Ms. XXXX advised me not to sign and return anything that was incomplete. I then called my Chase private client banker XXXX XXXX ( at the XXXX, NY branch ) who concurred. Ms. XXXX then called Chases fraud claims office to advise of the missing transactions on the report ; the fraud claims office told her that they would not be revising the letter with the addition of the XXXX transactions. Ms. XXXX then requested to speak with a supervisor, and was passed to XXXX who repeated that they would not make any changes to the letter ; before hanging up, Ms. XXXX handed the phone to me and XXXX repeated directly to me that they would not change the letter. We pointed out to him that the transactions in XXXX differ from earlier transactions and should be two separate claims, but he replied that he would not consider that. We requested to have this escalated to executive office. Ms. XXXX advised me I would be contacted by executive office.\n\nOn XX/XX/XXXX I received a call from XXXX at Chases executive office who gave me her contact info, advised that she was assigned to this case and would contact me with further questions if needed. The next day I phoned XXXX at the number she gave and left a message asking how I should proceed regarding the letters I received with the incomplete unauthorized transactions. I did not hear back from her until XX/XX/XXXX at which time she said I needed the sign letters to continue the process. They would not include the XXXX unauthorized transactions in my savings account since they were more than 60 days after the first set of unauthorized transactions. I asked her how/why did she think the two were related, that the XXXX savings and checking transactions seemed more related ( pattern of testing account with trial debit/credit, ID # s, etc.. ) than the earlier savings transactions but she kept to the script and would not respond to my observation or my question of why Chase was not investigating these transactions since they went into identifiable accounts at other financial institutions. I also asked how I could sign a document that asks me to list ALL unrecognized transactions in my account but which Chase will not list fully? I was told that if I did not sign the form ( listing only 6 of the 13 transactions ) I risk all claims/transactions being denied. I feel I am being coerced into signing something that differs from Chases own written terminology in the letters they have sent. \nThere have never been ACH debits initiated from my savings account nor EXTERNAL payments or transfers from this account prior to the fraudulent transactions. A critical point that must be stressed here is this activity was HIGHLY unusual and suspect for this account ; it should have triggered Chase fraud alerts immediately. These payments were made to financial institutions and vendors I have no history or transactions with EVER. The sheer size, frequency and type were significant factors that should clearly have been flagged by any electronic banking security system, especially Chase, who advertises their top in class fraud prevention. Chase branch personnel have repeatedly assured me that the bank has state-of-the-art fraud protection software and security systems in place to monitor unusual activity, yet Chase never alerted or contacted me in any way to confirm I was making these unusual and unprecedented external payments and ACH debits. It bears repeating that there had never previously been any external payments from this account. At the very least, this highly unusual activity should have been flagged on the banks internal suspicious activity report. \nIt is clear Chase has acted irresponsibly, perhaps even negligent in the way they have handled these accounts. Chase has a fiduciary duty to protect the assets they hold. This is an enormous failure by Chase and a breach of the fiscal guardianship they promote.","date_sent_to_company":"2018-11-30T18:34:36.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"89052","tags":null,"has_narrative":true,"complaint_id":"3088336","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-11-30T17:29:46.000Z","state":"NV","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Because these earlier transactions were beyond the 60 day timeline in which <em>Chase</em> would be held liable for the loss, <em>Chase</em> <em>refuses</em> to investigate the recent XXXX savings withdrawals ( totaling {$25000.00} ). They insist I sign a document listing all unauthorized withdrawals but list only the transactions from the earlier timeframe, none from XXXX. How can I sign a legal affidavit that asks for all unauthorized transactions when they dont <em>allow</em> me to include the XXXX transactions?"],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.10638,"3088336"]},{"_index":"complaint-public-v1","_id":"13099181","_score":15.999409,"_source":{"product":"Checking or savings account","complaint_what_happened":"UNDER THE COLOR OF LAW : FORMAL COMPLAINT & NOTICE OF CLAIM Against : JPMorgan Chase Bank , N.A . \nBy : [ XXXX XXXX XXXX ] To : Office of the Comptroller of the Currency ( OCC ) | Consumer Financial Protection Bureau ( CFPB ) | Federal Trade Commission ( FTC ) | XXXX Department of Justice ( DOJ ) | Chase Bank Legal & Compliance Divisions Date : [ Insert Date ] Subject : Complaint for Willful Noncompliance, Consumer Fraud, Breach of Contract, and Civil Violations Under the Color of Law I. Preamble This complaint is filed under the protection and enforcement of the Constitution of the United States, the Federal Trade Commission Act, the Electronic Fund Transfer Act, the Truth in Lending Act, the Federal Arbitration Act, and other codified federal laws which together constitute the color of law governing lawful conduct in commerce and consumer rights.\n\nThis document formally asserts that JPMorgan Chase Bank, N.A., herein Chase, has acted in willful noncompliance with federal law, has engaged in a systemic pattern of consumer deception and financial exploitation, and has caused direct, demonstrable harm to me, the undersigned claimant, by operating in breach of contract, breach of fiduciary duty, and in violation of my federally protected rights.\n\nII. Statement of Facts 1. I am a customer of Chase Bank with both personal and business deposit accounts.\n\n2. I utilized Chases card lock feature to prevent any electronic access or withdrawal of funds for security purposes.\n\n3. Despite this protection, Chase knowingly and repeatedly allowed unauthorized electronic fund transfers ( EFTs ) to occur, debiting both my personal and business accounts in direct violation of : Regulation E ( 12 CFR 1005.6 & 1005.11 ) 15 U.S.C. 1693 et seq. ( EFTA ) 4. When I notified Chase of these unauthorized transactions, including ongoing charges by XXXX, XXXX, and another disputed business vendor, Chase advised me that I must wait until the transaction settled to file a dispute.\n\n5. This delay serves only to benefit the bank and the debiting parties, while stripping me of access to my lawfully earned funds and extending my financial harm.\n\n6. In at least one instance, a disputed charge of {$36.00} was redrafted by the same vendor during an active investigation, and Chase permitted the transactionwhile my card remained lockedallowing it to overdraft my account.\n\n7. While I did opt into overdraft services, I have never been able to access that service for my benefit. Not once have I been permitted to overdraft to buy groceries, take care of my children, secure transportation to work, or stabilize my household. However, Chase has repeatedly applied the overdraft feature only to cover its own interestpermitting charges from unauthorized companies while denying me the same courtesy or protection as its paying customer.\n\n8. This exploitation has had life-altering consequences. While I was on short-term XXXX leave from work, Chases actions directly contributed to my facing an unjust eviction, putting me and my family at risk of homelessness during a medically vulnerable period.\n\n9. Additionally, my verified business, which is in good legal standing and fully vetted by Chase, lost a federal service contract with the United States Postal Service due to an illegal and baseless hold placed on customer funds that were paid through Chases payment system. This breach of financial stewardship not only caused reputational damage but permanently harmed my businesss standing with a XXXX government entity.\n\n10. Chase has ignored multiple formal arbitration requests, despite the presence of a binding arbitration clause in its own deposit agreementa direct violation of the Federal Arbitration Act ( 9 U.S.C. 116 ).\n\nIII. Legal Violations Under Federal and Contractual Law 1. Electronic Fund Transfer Act & Regulation E ( 12 CFR 1005 ) Chase failed to prevent or remediate unauthorized transactions, failed to issue prompt provisional credit, and processed debits against a locked card, in violation of 12 CFR 1005.6, 1005.11, and 1005.17.\n\n2. Truth in Lending Act & Regulation Z ( 12 CFR 1026 ) Chase failed to clearly disclose overdraft permissions and applied illegal billing procedures.\n\n3. Federal Arbitration Act ( 9 U.S.C. 4 ) Chase refused or failed to initiate arbitration after multiple proper demands, breaching federal dispute resolution law and its own consumer agreement.\n\n4. Federal Trade Commission Act ( 15 U.S.C. 45 ) Chase has engaged in unfair and deceptive practices in the administration of financial services.\n\n5. Fraud under 18 U.S.C. 1343 ( Wire Fraud ) Chase allowed electronic funds to be fraudulently transferred from a secured account, and profited by way of overdraft penalties and fees.\n\n6. Civil Injury under 42 U.S.C. 1983 and 1981 As a private citizen and member of a protected class, I have been denied equal access to fair financial services under color of commercial authority, with XXXX and economic implications stemming from selective policy enforcement and automated denials. \n\n\n\nIV. Remedy and Demand for Action Pursuant to my rights under the above laws and protections, I hereby formally demand : 1. Immediate return of all funds withdrawn while my account was secured by the card lock feature, including redrafted disputed charges.\n\n2. Immediate reversal of all fees, overdraft charges, and penalties imposed as a result of unauthorized or improperly processed transactions.\n\n3. Compensatory relief in the amount of {$75000.00}, supported by statutory entitlements, missed wages, reputational injury, lost business revenue, financial hardship, and emotional distress.\n\n4. Initiation of arbitration proceedings, as mandated under Chases account agreement and 9 U.S.C. 4.\n\n5. Regulatory investigation by the CFPB, OCC, and FTC into Chases systemic misconduct and failure to uphold its consumer security protocols.\n\nV. Notice of Legal Escalation If this matter is not resolved in full within ten ( 10 ) business days, I will proceed to : File a petition to compel arbitration and seek injunctive relief in federal court ; Refer this complaint to the Department of Justice for civil fraud and wire fraud investigation ; Submit a detailed grievance to the U.S. Senate Committee on Banking , Housing, and Urban Affairs ; Initiate class action proceedings through legal counsel representing other similarly situated consumers ; Disclose this matter publicly and through national media outlets to raise awareness of Chases egregious and repeated violations under color of corporate authority.\n\nThis notice is served with full reservation of all legal rights, claims, and causes of action, both known and unknown. I demand immediate acknowledgment, action, and settlement of the issues herein. \n\nSincerely and Without Prejudice, [ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ]","date_sent_to_company":"2025-04-21T23:58:35.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"13099181","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-04-21T23:43:55.000Z","state":"GA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Federal Arbitration Act ( 9 U.S.C. 4 ) <em>Chase</em> <em>refused</em> or failed to initiate arbitration after multiple proper demands, breaching federal <em>dispute</em> resolution law and its own consumer agreement.\n\n4. Federal Trade Commission Act ( 15 U.S.C. 45 ) <em>Chase</em> has engaged in unfair and deceptive practices in the administration of financial services.\n\n5."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.999409,"13099181"]},{"_index":"complaint-public-v1","_id":"3554483","_score":15.979307,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"1. In XX/XX/XXXX, I opened a checking account with Chase Bank N.A. at the new XXXX Branch, in XXXX, Virginia- in response to repeated direct ( and unsolicited ) mail flyers proclaiming cash rewards of $ XXXX- {$600.00} for switching direct deposit accounts. I was then- and remain now- a single parent struggling to pay court- ordered daycare costs- and six-figure divorce lawyer debt. As such, I accepted the offer- once the branch manager assured me that my electronically- deposited tax refund would guarantee my receipt of the {$300.00} transfer bonus. \n\n2. In the last week of XX/XX/XXXX- I received my federal tax refund- electronically deposited to the new, promotional Chase checking account- and waited weeks for the {$300.00} \" BONUS '' to be added to my account by Chase Bank N.A . In fact, I ADDED that {$300.00} bonus- which they had assured me was pending- to my checking ledger, as a CREDIT towards pending transactions. \n\n3. In XXXX of XXXX, I contacted Chase repeatedly after the {$300.00} bonus never appeared in my account- which caused my account to OVERDRAW. Naturally, they NOW claimed that they never said my tax refund would result in receiving their promotional \" bonus '' - and that they would NOT honor the promotion until my employer made several automatic deposits. Furthermore, they blamed my overdraft balance purely on my personal negligence- and sent this balance to their collections department. On principle, I refused to pay the collection account. \n\n4. Seven months later, when I went to open a simple, overdraft SAVINGS account at my original ( XXXX ) bank ( which holds multiple loans and insurance products ), XXXX indicated to me that it would be impossible for me to open a savings account with them now- due to my XXXX  XXXX   XXXX  status. \n\n5. I contacted XXXX in XXXX XXXX and they told me to order one of their consumer reports. I did so- and a few weeks later received the report- which indicated that Chase Bank N.A . had reported me to XXXX   for FRAUD and/or ACCOUNT ABUSE. I then contacted Chase to ask them to correct this apparent error- explained the discrepancy- and they steadfastly REFUSED. The report is attached, below. \n\n6. Subsequent to Chase collections ' refusal to amend the XXXX   status, they \" offered '' me a settlement as ransom to unfreeze my XXXX status, through XXXX. As of XX/XX/XXXX, I PAID Chase {$160.00} of the disputed {$300.00} balance, with their emphatic assurance that this payment would permanently resolve the matter- in its entirety. \n\n7. As of XX/XX/XXXX XXXX XXXX, I emailed XXXX  a photo of the notice of settlement that I received by mail from Chase Bank, AFTER they took my {$160.00} \" settlement ''. This document is attached, below, for CFPB records. \n\n8. On XX/XX/XXXX at XXXX XXXX EST, I contacted XXXX   to confirm by phone that they had RECEIVED a copy of Chase 's settlement- and that Chase had REMOVED the disputed allegation of account FRAUD/ABUSE. \n\n9. On XX/XX/XXXX at XXXX XXXX EST, \" XXXX '' of XXXX indicated to me that Chase HAD confirmed to XXXX   on XX/XX/XXXX that I HAD paid my so-called settlement in full- HOWEVER that- after having accepted my settlement payment- Chase had now elected ( through XXXX  ) to LEAVE the allegation of fraud/abuse ON my XXXX consumer report- FOR A PERIOD OF NO LESS THAN FIVE YEARS- which \" XXXX '' of XXXX indicated that Chase was fully within its discretion to do, under the auspices of the Fair Credit Reporting Act ...\n\nI ask YOU to ask yourself- as the CFPB- do YOU think there may be a conflict of interest between a network of banks that PAY for XXXX  subscriptions and thus furnish XXXX  ' SOLE source of revenue- and a supposedly IMPARTIAL XXXX  which allows banks like Chase to take our money, whilst simultaneously destroying our ability to prevent the very overdrafts which they claim to be punishing us for? (? )","date_sent_to_company":"2020-03-06T16:39:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"222XX","tags":null,"has_narrative":true,"complaint_id":"3554483","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-03-04T21:41:27.000Z","state":"VA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX at XXXX XXXX EST, I contacted XXXX   to confirm by phone that they had RECEIVED a copy of <em>Chase</em> 's settlement- and that <em>Chase</em> had REMOVED the <em>disputed</em> allegation of account FRAUD/ABUSE. \n\n9."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.979307,"3554483"]},{"_index":"complaint-public-v1","_id":"15997984","_score":15.908097,"_source":{"product":"Checking or savings account","complaint_what_happened":"JPMorgan Chase is refusing to allow me to open new accounts and access its products, claiming I already have an unknown number of checking accounts in its systems. I have never had a Chase account of any kind. \nChases conduct is unlawful, discriminatory, and a violation of multiple binding federal laws and regulations. This is not just a customer service issueit is a regulatory compliance failure. \nXXXX. Fair Credit Reporting Act ( FCRA ) & FACTA Violations If Chase relied on consumer reports ( from Equifax, Experian, TransUnion, ChexSystems, or Early Warning Services ) to deny me products, Chase must comply with 15 U.S.C. 1681m ( a ) and provide me with an adverse action notice, identifying : The reporting agency, The specific factors leading to denial, My right to a free report and dispute. \nNo such notice has been provided. This is a direct violation of FCRA 615.\n\nIf Chase is itself furnishing information about these alleged checking accounts to any bureau, then under FCRA 623 ( a ) ( 1 ) Chase has a duty not to furnish inaccurate information. Once notified of a dispute, Chase must conduct a reasonable reinvestigation and correct/delete any false data ( 623 ( a ) ( 2 ), ( a ) ( 8 ), and ( b ) ( 1 ) ).\n\nUnder FACTA ( FCRA amendments, 15 U.S.C. 1681c-2 ), once I declare these accounts fraudulent/unauthorized, Chase must block the information from appearing in consumer reports unless Chase proves otherwise with documentary evidence. \n2. Equal Credit Opportunity Act ( ECOA ) / Regulation B Violations Denial of credit or deposit accounts constitutes adverse action under 15 U.S.C. 1691 ( d ) and 12 C.F.R. 1002.2 ( c ). Chase must : Provide a written notice of adverse action within 30 days, State the specific reasons, and Provide the name/contact of the reporting agency ( if applicable ).\n\nFailure to do so is a violation of Reg B 1002.9. Chases refusal to provide disclosures appears to be an unlawful adverse action that blocks me from equal access to financial services. \nXXXX. Electronic Fund Transfer Act ( EFTA ) / Regulation E Obligations If Chase claims these alleged accounts ever conducted transactions, they must be treated as unauthorized electronic fund transfers as to me.\n\nUnder 15 U.S.C. 1693f and 12 C.F.R. 1005.11, Chase is required to investigate, resolve, and correct such errors within 45 days ( 90 in limited cases ).\n\nContinuing to associate me with unauthorized accounts without investigation constitutes a violation of Reg E and exposes Chase to liability for damages, attorneys fees, and regulatory action.\n\n4. Bank Secrecy Act ( BSA ) / Customer Identification Program ( CIP ) Failures Federal law ( 31 U.S.C. 5318 ; 31 C.F.R. 1020.220 ) requires Chase to verify identity before opening any deposit account. \nIf Chases records claim I have checking accounts, Chase must produce documentary verification used to open them : Government-issued ID scanned or copied, IP address/device fingerprint of application, Date/time stamps, Branch teller ID ( if in person ), Application signatures, audio recordings, chat logs. \nIf Chase can not produce this, the accounts are either fabrications or identity-theft accounts, and continuing to hold them against me violates the XXXX recordkeeping XXXX and XXXX XXXX XXXX compliance. \nXXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) By blocking me from Chase products based on false information, Chase is engaging in unfair and abusive practices prohibited under Dodd-Frank 1036, 12 U.S.C. 5536. \nCFPB has explicit authority to sanction Chase for these practices.","date_sent_to_company":"2025-09-17T16:59:01.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"11561","tags":null,"has_narrative":true,"complaint_id":"15997984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-17T16:50:31.000Z","state":"NY","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["JPMorgan <em>Chase</em> is <em>refusing</em> to <em>allow</em> me to open new accounts and access its products, claiming I already have an unknown number of checking accounts in its systems. I have never had a <em>Chase</em> account of any kind. \n<em>Chases</em> conduct is unlawful, discriminatory, and a violation of multiple binding federal laws and regulations. This is not just a customer service issueit is a regulatory compliance failure. \nXXXX."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.908097,"15997984"]},{"_index":"complaint-public-v1","_id":"18670092","_score":15.680942,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB SUPPLEMENTAL COMPLAINT URGENT REQUEST FOR INTERVENTION I am submitting this supplemental complaint to urgently request CFPB intervention regarding Chase Banks repeated failure to comply with Regulation E ( 12 CFR 1005.11 ) in connection with unauthorized electronic fund transfers on my account. \n\nSummary of the issue : I reported a series of unauthorized electronic fund transfers related to online gambling merchants ( including XXXX and XXXX ) beginning in XX/XX/year>. These transactions were unauthorized and part of a single fraud incident and pattern. Chase improperly fragmented this incident into multiple claims, repeatedly closed claims without issuing provisional credit, reopened them, and then closed them againsometimes within less than XXXX hourswhile asserting that a thorough investigation had occurred. \n\nAs of today, approximately XXXX days have passed since my original notice of error. Despite this extended investigation period, no provisional credit has ever been issued, and I have been repeatedly toldmost recently by an Executive Office representativethat Chase does not have to provide provisional credit until the XXXX. This position directly contradicts Regulation E.\n\nRegulation E violation : Under 12 CFR 1005.11 ( c ) ( 2 ) ( 3 ), Chases position that provisional credit may be withheld until a later date ( e.g., the XXXX ) conflates investigation deadlines with provisional credit obligations and is inconsistent with Regulation Es plain language and official commentary. if a financial institution extends its investigation beyond 10 business days, it is required to provide provisional credit within 10 business days for the disputed amount and allow the consumer full use of the funds during the investigation. An institution may not withhold provisional credit for the duration of an extended investigation. Chase has done exactly that. \n\nI am not disputing Chases right to investigate. I am disputing Chases failure to provide provisional credit during an investigation that has been extended far beyond the regulatory window. \n\nAdditional concerning conduct : Claims were closed when Chase asserted there was no claim, then later reopened as claims, then closed again.\n\nOne Chase representative canceled a claim without my consent.\n\nA Chase employee contacted me from what appeared to be a personal phone number.\n\nI hand-delivered a police report, Regulation E affidavit, and written demand letter to a Chase branch manager and VP on XX/XX/year>, yet Chase later represented that claims did not exist or were merely inquiries.\n\nOnce CFPB involvement began, Chase suddenly asserted new timelines and positions that had never been disclosed during the prior 90 days. \n\nThis pattern raises serious concerns about claim manipulation, obstruction, and non-compliance designed to delay relief and exhaust the consumer. \n\nCurrent status and harm : Chase has again refused to issue provisional credit and has stated it will investigate and provide a written response at a later date, despite the investigation already being extended far beyond the permissible window. The continued denial of provisional credit has caused severe financial hardship, including inability to meet basic living expenses. \nWhat I am requesting : 1. CFPB review and intervention regarding Chase Banks compliance with Regulation E provisional credit requirements.\n\n2. That Chase be required to issue immediate provisional credit for the full amount of the unauthorized transactions pending completion of any investigation. I am not requesting permanent credit, penalties, or damages at this timeonly the provisional credit required by law during an extended investigation.\n\n3. That Chase be required to provide a written explanation of its legal basis for withholding provisional credit, including notice of my right to request and receive all documents relied upon in making any determination.\n\n4. That Chase be directed to preserve all internal notes, call recordings, claim history, and communications related to the closure, reopening, and handling of these claims. \n\nI am submitting this supplemental complaint because I am genuinely concerned that Chase will again close or deny the claim before CFPB has the opportunity to review the facts. I have extensive documentation and evidence supporting my position and am requesting CFPB involvement now to prevent further improper handling. \n\nThank you for your urgent attention to this matter.","date_sent_to_company":"2026-01-13T02:07:36.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"92886","tags":null,"has_narrative":true,"complaint_id":"18670092","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-01-13T01:54:11.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>Chase</em> has done exactly that. \n\nI am not <em>disputing</em> <em>Chases</em> right to investigate. I am <em>disputing</em> <em>Chases</em> failure to provide provisional credit during an investigation that has been extended far beyond the regulatory window. \n\nAdditional concerning conduct : Claims were closed when <em>Chase</em> asserted there was no claim, then later reopened as claims, then closed again.\n\nOne <em>Chase</em> representative canceled a claim without my consent."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.680942,"18670092"]},{"_index":"complaint-public-v1","_id":"2406330","_score":15.347645,"_source":{"product":"Credit card","complaint_what_happened":"On XXXX/XXXX/16 we began depositing money into a binary options platform, called XXXX ( XXXX ) - XXXX. In total we deposited $ XXXX on various credit cards into the account before realizing this was a scam. We stopped trading. We had a gain of $ XXXX. We immediately contacted Chase 's disputes department- XXXX/XXXX/16. Following the advice of the agents, we culminated all of the evidence to show how XXXX was a scam and the services which we had paid for were not rendered. Chase misrepresented us and mistreated us in this disputes process. XXXX, who was the last Chase rep. from the Executive Office whom we spoke to, admitted to us ( XXXX/XXXX/16 ) that we had a solid case and that Chase was wrong but that it was now too late to do anything - after they repeatedly pushed us off. Had Chase properly researched and dealt with our dispute without passing us off from agent to agent, the necessary steps would have been performed in order to save our money. \n1 ) Our case involved many intricate details but no Chase rep contacted us in order to better understand the situation. We repeatedly tried to call but we were never allowed to speak to the rep. handling our case. We left many messages asking to be called, to no avail. \n2 ) On one occasion, ( approx. XXXX/XXXX/16 at about XXXX ) XXXX, a chase disputes rep., conferenced us to a XXXX rep. XXXX agreed to the Chase rep. and us that the money would be refunded. They told us to log on to their website and make an electronic withdrawal. Chase then closed the dispute but the withdrawal never went through and we never received the refund. \n3 ) Chase told us that if we furnish them with a letter from a finance trading professional then this would be sufficient evidence to win our dispute. On XXXX/XXXX/16, we reopened the dispute including signed documentation from a finance trading professional explaining how the XXXX platform which trades in milliseconds was not even in real time. He documented a number of other reasons which proved that it was impossible for us to have been receiving the service that was promised to us. Also furnished to Chase, was an email from the XXXX broker who had worked with us, outlining the services which he promised to provide upon our deposit, none of which were provided - which we proved. See attached. \n4 ) Chase disputes representatives ( reluctantly ) admitted to us that they were familiar with this company and that it was not legitimate. \n5 ) We repeatedly tried to get back in touch with the agent from Chase who was on the phone with us, leaving messages for her to call us which were not returned. \n6 ) Chase claimed that XXXX had shown documents we signed saying we had received the services promised to us. We never signed any such document. When we asked the representative to check the signatures, they said they do not verify signatures. They also refused to provide us with those documents. \n7 ) In XXXX, the Executive Office took over the dispute but the case was passed between representatives and we were put off many times by representatives transferring positions and no one person handling the case. After a few weeks of no response, on XXXX/XXXX/16, XXXX called us and abruptly said that it was too late and there was nothing that can be done. They had promised and confirmed that once the dispute was opened within 180 days of the charge, there was no concern of it becoming too late. This was severely negligent of Chase. \n8 ) While we were on the phone with XXXX she just hung up the phone on us. Throughout this entire saga, Chase acted a haughty, faceless organization without showing concern. \n9 ) It is also important to make a note of the fact that some of this money was charged on a XXXX credit card. The person handling the dispute was the person who we spoke to and after briefly looking into the matter they immediately refunded the full amount.","date_sent_to_company":"2017-03-27T14:14:45.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"11218","tags":null,"has_narrative":true,"complaint_id":"2406330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-03-27T14:14:44.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX/XXXX/16 at about XXXX ) XXXX, a <em>chase</em> <em>disputes</em> rep., conferenced us to a XXXX rep. XXXX agreed to the <em>Chase</em> rep. and us that the money would be refunded. They told us to log on to their website and make an <em>electronic</em> withdrawal. <em>Chase</em> then closed the <em>dispute</em> but the withdrawal never went through and we never received the refund. \n3 ) <em>Chase</em> told us that if we furnish them with a letter from a finance trading professional then this would be sufficient evidence to win our <em>dispute</em>."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.347645,"2406330"]},{"_index":"complaint-public-v1","_id":"8085570","_score":14.450921,"_source":{"product":"Credit card","complaint_what_happened":"I've been having a litany of problems with Chase over the past 2 months and I have reason to believe they have broken a multitude of consumer finance laws regarding both of my credit card accounts. \n\nAt some point in XXXX or XXXX of XXXX, they introduced a new digital services agreement requiring consent to access your online accounts. Upon advice from a lawyer, I did not consent to either of these digital service agreements due to privacy concerns. Therefore, I have been locked out of my online Chase accounts and unable to pay my bills online or access my rewards for both credit card accounts. I did not consent to these agreements because I refuse to allow Chase to sell my private financial data to data brokers. \n\nI've previously had a XXXX  % on-time payment history in my XXXX  years of credit history, but have been having a number of personal & financial difficulties recently including job loss, illness, and XXXX. So I called Chase on XX/XX/XXXX to request a deferment or forbearance on my accounts. I felt this was a reasonable request considering my payment history as well as the hyperinflationary crisis occurring in the macroeconomy. Chase refused to grant me this request and instead advised me to not pay my bills and go into default on my accounts. While speaking to Chase on XX/XX/XXXX, I was informed that there were additional changes to their agreement terms that were separate from the updated digital services agreement which were sent to my online accounts. I was not able to access these new terms because I was previously setup for electronic communications, but was/am locked out of my online Chase accounts so did not receive these important time-sensitive notices affecting my legal rights. I requested they send me these new terms in the mail in a timely manner so I could forward them to a lawyer for review. \n\nInstead of receiving these updated terms in a timely manner, Chase sent me a printed notice dated XX/XX/XXXX stating they had not sent any changes to my account recently. I will note this is notice is factually incorrect and contrary to what I was told over the phone. \n\nI again had to call Chase on XX/XX/XXXX after receiving this incorrect notice to request printed agreement terms to forward to a lawyer for review. Instead of receiving these agreement terms, I received a printed notice from Chase dated XX/XX/XXXX incorrectly stating that one of my accounts had been closed at my request. I never requested for that account to be closed and when I called Chase for clarification on XX/XX/XXXX I was told by multiple people that XXXX of my accounts were still open and in good standing. \n\nMy understanding is that this is duplicitous, unethical, and illegal for breaking consumer finance regulations. Chase has repeatedly told me things over the phone that are contrary & contradictory to things that Chase has mailed me in writing. This lead to me forming a support ticket with Chase 's executive office which is still under their internal investigation. I also requested a hardship settlement for my accounts but was denied over the phone, which is contrary to a printed letter they previously sent me in writing. \n\nSince I had not received the updated terms yet and the issue was time-sensitive, a lawyer was able to track down the revised agreement terms from another Chase Freedom Unlimited customer. The lawyer notified me the new agreement terms contained an arbitration agreement which had to be opted out of in-writing in a timely manner. So I wrote & mailed two letters each dated XX/XX/XXXX notifying Chase that I reject their arbitration agreements. I later received the updated terms for XXXX  accounts which were dated XX/XX/XXXX but I did not receive them until after I mailed my letters of arbitration rejection on XX/XX/XXXX. \n\nOn XX/XX/XXXX I made the minimum payment due of {$720.00} for XXXX of my accounts in-person Under Duress. The payment was made Under Duress because Chase refused to grant me a deferment, forbearance, or hardship settlement, and I had to borrow the money to make the payment even though I can not afford it. I will note that Chase refused these simple, reasonable requests despite us being in an active dispute requiring them to conduct an internal investigation over the integrity of their systems. I will also note that making payments in-person is extremely inconvenient for me, and that making payments over the phone aren't a secure method to pay due to various technological reasons. \n\nI called Chase on XX/XX/XXXX to check if my letters had been received but was initially told they had not been received. After informing Chase that I sent the letters with XXXX tracking numbers and could prove they received the letters on XX/XX/XXXX & XX/XX/XXXX respectively, they admitted they received the letters. This resulted in me having an additional support ticket created by Chase 's escalation department which is separate from the support ticket created by Chase 's XXXX office. I was told over the phone that Chase rejected my rejection of arbitration for XXXX account but not the other. I have yet to receive this letter of notice in the mail. \n\nMy understanding is Chase has broken XXXX consumer finance laws through my correspondence with them over the past couple of months. I also have reason to believe their systems have been hacked or compromised since they have sent me multiple factually incorrect letters in error. My understanding is that this is a violation of Chase 's fiduciary responsibility to safeguard & protect my private financial data, and that they are liable for damages if I choose to sue them in a court of law.","date_sent_to_company":"2024-01-01T01:56:40.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"97223","tags":null,"has_narrative":true,"complaint_id":"8085570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-12-31T23:33:46.000Z","state":"OR","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The payment was made Under Duress because <em>Chase</em> <em>refused</em> to grant me a deferment, forbearance, or hardship settlement, and I had to borrow the money to make the payment even though I can not afford it. I will note that <em>Chase</em> <em>refused</em> these simple, reasonable requests despite us being in an active <em>dispute</em> requiring them to conduct an internal investigation over the integrity of their systems."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[14.450921,"8085570"]},{"_index":"complaint-public-v1","_id":"4212627","_score":13.6386,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"So, Chase closed both of my credit card accounts because I was a few days late paying the total balance ( as I do every month ). They did not notify me, electronically or by mail, and there is no notation on the Chase Mobile App notifying these accounts were closed. They still allowed payments ( without notifying me that these accounts were closed ), they still charged me interest, still let me run statements still shows these cards as being available on my account, even though I can't actually use the credit cards since Chase so hastily closed my accounts, with ZERO notification. \n\nSo, I went ahead and paid the entire amount of my credit cards, to bring my balances to {$0.00}, which was the result of 4 payments as seen below : 1. Chase Sapphire Reserve Credit Card ( XXXX XXXX XXXX XXXX ) a. XX/XX/XXXX : {$13000.00} b. XX/XX/XXXX : {$7600.00} 2. Chase Freedom Credit Card ( XXXX XXXX XXXX XXXX ) a. XX/XX/XXXX : {$5000.00} b. XX/XX/XXXX : {$10000.00} However, after I made these payments, a notation suddenly appeared, but only on the desktop site of Chase.com ( which I never use ), saying these credit card accounts had been closed. The entire reason I paid off the balances, was in order to use these cards again. So now, I paid off these balances and can not use my cards, and therefore, I have no money left. \n\nI consider this an \" overpayment '', which means I paid more than the minimum payment required, since I would not have paid off these balances in their entirety had I been notified that my accounts were closed. I have spoken to Chase multiple times over the past three weeks, across several departments, over the course of several hours, trying to resolve this. All I asked was to have them reverse my most recent payments, minus the minimum amounts due, since I overpaid without knowing my accounts were closed. \n\nHowever, Chase Credit Card Services Department denied this request as did the Chase Payment Services Department and since I have my checking account with Chase as well, put in a request to dispute my payments from my checking account to my credit card since they were not valid, but was also denied. I have repeatedly asked for documentation of all these calls, decisions, documentation, etc. to review, but have been completely ignored and have received nothing. Chase didn't even have the courtesy to notify me when the decisions to deny my requests were made, thus forcing me to repeatedly call back for updates, wasting my time. Therefore, I can not offer more detailed information on this matter since Chase will not honor my requests for this information. \n\nI need this money returned for other immediate bills that must be paid, Chase failed to notify they closed my accounts and only closed my accounts \" because they checked my FICO score and it had decreased '' ( never mind that II have paid off my credit card balances with Chase every month, for the past 7-8 years, before the due date ), will not honor my requests for documentation of decisions related to this issue and they refuse to return the money I paid towards my balances over the minimum amounts due. \n\nPlease help me resolve this. I am now also currently unemployed and need all the liquid cash, which I paid towards these credit cards, to help keep me afloat until I can find new employment. This is a huge financial stressor and issue and could severely impact my financial and mental/emotional stability moving forward if they will not honor the return of my overpayments.","date_sent_to_company":"2021-03-14T07:18:47.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"89141","tags":null,"has_narrative":true,"complaint_id":"4212627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-03-14T01:31:36.000Z","state":"NV","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["So, <em>Chase</em> closed both of my credit card accounts because I was a few days late paying the total balance ( as I do every month ). They did not notify me, <em>electronically</em> or by mail, and there is no notation on the <em>Chase</em> Mobile App notifying these accounts were closed."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[13.6386,"4212627"]},{"_index":"complaint-public-v1","_id":"8934518","_score":13.414694,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To : Complaints Department, Consumer Financial Protection Bureau From : XXXX and XXXX XXXX XXXX : XX/XX/2024 Re : Chase Bank fraud against us ; Chase Bank Case # XXXX I am writing to file a formal complaint regarding my treatment by Chase Bank . I have been defrauded in the amount of over {$17000.00} through a series of wire transfers that neither my husband nor I authorized, and Chase will not provide any sort of reason or documentation to prove that either of us did authorize them. Chase has treated me very unfairly and abused the trust I placed in them. I have reported them to the XXXX XXXX XXXX, and also to the FBI. I am considering legal action against Chase for their unfair treatment of me and for their violations of various federal laws and regulations. My husband and I are over XXXX XXXX XXXX and English is not our primary language ( we are XXXX ). I feel Chase is taking advantage of our ages and difficulty in understanding complex financial issues due to the language barrier. \n\nIn total, 5 wire transfers were made from our checking account totaling more than {$17000.00}. Neither my husband nor I had ever done wire transfers before from Chase or any other bank, and certainly not to any international locations, as these were. All 5 wires were processed within a 30-minute period of time on the same day, and neither my husband nor I authorized any of them, either on a paper form or electronically. It would take 5 separate authorizations to do this over this short period of time ; we did not provide even one. Chase refuses to provide any sort of proof that we did. Theyve just told us that we authorized the wires and our case is closed without any additional information other than essentially, we think you authorized the wires. It seems a gross breach of Chases duty under federal law to monitor for potentially fraudulent transactions to allow multiple wires over a short period of time to international locations from an XXXX customers account where none had ever been done before.\n\nTo make matters worse, the amount of these wires exceeded the amount of money we had in our checking account. Without our consent, Chase transferred money from our savings account to cover the wires. When opening our accounts ( and well before this fraud ), we specifically refused any sort of automatic transfers between accounts to cover overdrafts. Chase tells us that transfers are automatic to cover wires regardless of whether we allowed the bank to do it or not. This seems incredibly unfair, and seems like theft to me. Chase refuses to provide any sort of proof we opted in to overdraft transfers, or authorized a transfer on that day. Im told this is a violation of federal Regulation E, as the bank is required to provide documentation when they deny our dispute of the transfer between accounts. I know it is also a violation to require us to file a police report before processing our dispute, as Chase did, as detailed below. \n\nThe fraudulent wires were all done on XX/XX/2024. While looking at my account to print documents for taxes on that same day, I noticed a fraud alert on their website for my account. I called my husband immediately and he saw that the majority of our funds had disappeared from our account. He called the Chase fraud department ( I got their number from their website ). He was on hold for 5 minutes, then after becoming frustrated he decided to call the Chase branch on XXXX XXXX XXXX in XXXX, AZ, but no one answered the phone. He then called the Chase branch on XXXX XXXX in XXXX, AZ, and had a 32-minute conversation with a very helpful employee to report the fraud. She pulled up our account and could see that money was in the process of exiting our account. She expressed surprise that nobody could stop the fraud that was happening before our eyes. She then stated not to worry and we would get our money back, which was very reassuring. She then transferred him to another department, where he had to explain the entire situation again. We were very frustrated that no one seemed to approach our money disappearing with any sense of urgency. The gentleman from the fraud department ended up hanging up on my husband. Apparently, he was only on the job for two weeks. The really maddening thing is additional wire transfers went out of our account AFTER we had these calls with the bank. Chase knew we had not authorized any wires ; yet more wires came out after they were on notice.\n\nIn a panic, I jumped into my car and drove to the Chase branch on XXXX XXXX XXXX. A teller at the branch told me I had to file a police report before I could make a claim to the Chase Fraud Department, which seemed odd to me. Couldnt they stop the fraud, or at least start to investigate, before I had to file a police report? They did not even offer to shut off the ability to make further wires. She gave me the wrong address to the police department, but I finally made it over to the police department. I received a police report number and called the Chase Fraud Department. The Chase Fraud Department never did ask me for the police report number, which was odd since they told me they required this before I could file a dispute. This seems like a waste of time to me, since the bank could have been working to prevent further fraudulent wires from being done. I know now also that the bank can not make me get a police report before they investigate the transfer of funds from my savings to my checking account. \n\nOn XX/XX/2024, I went back to the Chase branch on XXXX XXXX XXXX, but was told I had to come back later to speak to XXXX, which I did. XXXX closed our accounts and opened new ones, ordered new credit cards, then said I would have to come back on the next Tuesday ( Monday was a holiday ) with my husband XXXX to complete the investigation into what had happened. \n\nOn XX/XX/2024, we spent 4 hours with XXXX. We were told that the case had already been closed, as the bank is saying we authorized the wire transfers. I told her we have never wired funds from our account, we dont use wires, and we did not authorize these wires. In addition, the majority of the funds were in our savings account which had been transferred to our checking account to complete the wires. We never authorized any sort of transfer from our savings, either when we opened our accounts or to do these wires that day. In fact, we specifically declined overdraft protection when we opened the account. She just kept saying that the fraud department said we authorized everything, and wouldnt provide any explanation or other information or documentation, even when we repeatedly asked. \n\nOn XX/XX/2024, I went to the Chase branch in XXXX XXXX, AZ, and spoke with XXXX, a personal banker. After explaining our entire situation, XXXX saw at this point all of our money was gone from both checking and savings, and that our checking account was now in a negative balance due to bank fees applied to our account. XXXX was able to reopen our case, but she requested a report from IT. It seems incredibly unfair to charge us {$120.00} in fees to perform wires that we did not authorize ( which they have refused to refund, also without explanation ) that put our checking account in a negative balance. Do we now have to pay overdraft fees too since Chase charged us wire fees? \n\nOn XX/XX/2024, I called XXXX at the Chase branch on XXXX XXXX XXXX again to tell her that all of my emails and contacts on my cell phone are gone. She told me that she thinks my cell phone was somehow mirrored and someone else authorized the wires using our credentials. She advised me to go get a new cell phone, new phone number and to not transfer anything from the old phone to the new phone. She also advised that I close out all of my email accounts and open new email accounts. I did all that was advised, although this seemed to be just her personal opinion. There was nothing from the Chase fraud department or IT department saying anything like this. This also seems to contradict what the bank was telling me if my cell phone was mirrored, then it seems the bank thinks the wires were authorized by someone other than my husband or me. So why is the bank closing the case and saying we authorized them? \n\nI also contacted all the credit bureaus and place a freeze and fraud alerts on my credit report just to be safe. I also called the Social Security Office and placed a fraud alert on our records. \n\nOn XX/XX/2024, I contacted the Chase Escalation Department, who told me that after a review of our case, our case has been closed as they believe we authorized the wires. Again, this contradicts what XXXX had told me. They refused to provide me with any additional detail or documents to back up why they think this is the case, even though I repeatedly asked. They told me I needed to obtain a subpoena to get any other information, which seems extreme. These are my accounts, and if we did authorize those wires, why wouldnt they show us what they are using as proof that we did? It sure seems like they are hiding something, or just trying to get us to go away, especially since were over XXXX XXXX XXXX and dont speak English very well. We are in the process of getting subpoena, but it takes time and money. Like I said above, I know at the bare minimum were entitled to information about the transfer from the savings to the checking account. Throughout this whole ordeal, they have refused to provide anything at all, including any information about how they concluded that we authorized these wires. \n\nDuring XX/XX/2024, weve made many additional calls to Chase on this, which are all dead ends. Ive made an official complaint to the Chase complaint department, which has also been ignored. I have a handwritten timeline of the many calls made on these wires and to try to get an explanation. Nothing. We were able to track down the recipients of all the wire transfers through XXXX XXXX ; one or more went to XXXX. I question again why Chase would allow 5 wires to go overseas from a customer who had never wired funds before, and especially AFTER wed called them to tell them they werent authorized. This was our life savings. Why would I wire it to XXXX? I know there is a lot of fraud in XXXX, especially when it comes to wire transfers. \n\nOn XX/XX/2024, I was told by a Chase wire transfer team member that although I had not opted in for overdraft protection, savings transfers were automatically done for wires. This seems ridiculous we never authorized transfers for anything, and especially for wires where there is such high risk of fraud. Again, they refuse to provide any sort of proof that this is allowed, or that we authorized it. I know that we are entitled to documentation of transfers where there isnt an automatic agreement. I called XXXX from the Chase executive office on XX/XX/2024, to inform him of this and of my expectation that opting out of overdraft protection would prevent what has happened to my life savings. I trusted Chase with my life savings. This again was ignored. \n\nI think Chase is ignoring our requests for more information and documentation, even when we know were entitled to it. I think they are just trying to get us to go away, especially since were both XXXX  and dont speak English very well. Not only is this treatment not right, its against federal laws banks must follow. \n\nIf we have to get a subpoena to get any information, we will do this. We will also sue the bank for their treatment of us as XXXX, non-English native customers, and for their violations of federal banking laws. \n\nPlease provide whatever help you can to us to get to the bottom of this. We did not authorize these wires. We just want our funds back. \n\nThank you. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-05-05T19:06:11.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"863XX","tags":"Older American","has_narrative":true,"complaint_id":"8934518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-05T18:45:01.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["When opening our accounts ( and well before this fraud ), we specifically <em>refused</em> any sort of automatic transfers between accounts to cover overdrafts. <em>Chase</em> tells us that transfers are automatic to cover wires regardless of whether we <em>allowed</em> the bank to do it or not. This seems incredibly unfair, and seems like theft to me. <em>Chase</em> <em>refuses</em> to provide any sort of proof we opted in to overdraft transfers, or authorized a transfer on that day."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[13.414694,"8934518"]},{"_index":"complaint-public-v1","_id":"3554671","_score":12.780538,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"1. In XX/XX/XXXX, I opened a checking account with XXXX XXXX  XXXX. at the new XXXX Branch, in XXXX, Virginia- in response to repeated direct ( and unsolicited ) mail flyers proclaiming cash rewards of $ XXXX {$600.00} for switching direct deposit accounts. I was then- and remain now- a single parent struggling to pay court- ordered daycare costs- and six-figure divorce lawyer debt. As such, I accepted the offer- once the branch manager assured me that my electronically- deposited tax refund would guarantee my receipt of the {$300.00} transfer bonus. \n\n2. In the last week of XXXX, XXXX I received my federal tax refund- electronically deposited to the new, promotional Chase checking account- and waited weeks for the {$300.00} \" BONUS '' to be added to my account by XXXX XXXX XXXX XXXX In fact, I ADDED that {$300.00} bonus- which they had assured me was pending- to my checking ledger, as a CREDIT towards pending transactions. \n\n3. In XXXX of XXXX, I contacted XXXX repeatedly after the {$300.00} bonus never appeared in my account- which caused my account to OVERDRAW. Naturally, they NOW claimed that they never said my tax refund would result in receiving their promotional \" bonus '' - and that they would NOT honor the promotion until my employer made several automatic deposits. Furthermore, they blamed my overdraft balance purely on my personal negligence- and sent this balance to their collections department. On principle, I refused to pay the collection account. \n\n4. Seven months later, when I went to open a simple, overdraft SAVINGS account at my original ( XXXXXXXX ) bank ( which holds multiple loans and insurance products ), XXXX indicated to me that it would be impossible for me to open a savings account with them now- due to my EARLY WARNING SYSTEMS status. \n\n5. I contacted EWS in XXXX XXXX and they told me to order one of their consumer reports. I did so- and a few weeks later received the report- which indicated that XXXX XXXX XXXX . had reported me to EWS for FRAUD and/or ACCOUNT ABUSE. I then contacted XXXX to ask them to correct this apparent error- explained the discrepancy- and they steadfastly REFUSED. The report is attached, below. \n\n6. Subsequent to Chase collections ' refusal to amend the EWS status, they \" offered '' me a settlement as ransom to unfreeze my XXXX status, through EWS. As of XX/XX/XXXX, I PAID XXXX {$160.00} of the disputed {$300.00} balance, with their emphatic assurance that this payment would permanently resolve the matter- in its entirety. \n\n7. As of XX/XX/XXXX XXXX XXXX, I emailed EWS a photo of the notice of settlement that I received by mail from XXXXXXXX XXXX, AFTER they took my {$160.00} \" settlement ''. This document is attached, below, for CFPB records. \n\n8. On XX/XX/XXXX at XXXX XXXX. EST, I contacted EWS to confirm by phone that they had RECEIVED a copy of XXXX 's settlement- and that XXXX had REMOVED the disputed allegation of account FRAUD/ABUSE. \n\n9. On XX/XX/XXXX at XXXX XXXXXXXX EST, \" XXXX '' of EWS indicated to me that XXXX HAD confirmed to EWS on XX/XX/XXXX of XXXX that I HAD paid my so-called settlement in full- HOWEVER that- after having accepted my settlement payment- Chase had now elected ( through EWS ) to LEAVE the allegation of fraud/abuse ON my EWS consumer report- FOR A PERIOD OF NO LESS THAN FIVE YEARS- which \" XXXX '' of EWS indicated that XXXX was fully within its discretion to do, under the auspices of the Fair Credit Reporting Act ... \n\nI ask YOU to ask yourself- as the CFPB- do YOU think there may be a conflict of interest between a network of banks that PAY for EWS subscriptions and thus furnish EWS ' SOLE source of revenue- and a supposedly IMPARTIAL EWS which allows banks like XXXX to take our money, whilst simultaneously destroying our ability to prevent the very overdrafts which they claim to be punishing us for? (? )","date_sent_to_company":"2020-03-04T23:12:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"222XX","tags":null,"has_narrative":true,"complaint_id":"3554671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2020-03-04T23:12:02.000Z","state":"VA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I then contacted XXXX to ask them to correct this apparent error- explained the discrepancy- and they steadfastly <em>REFUSED</em>. The report is attached, below. \n\n6. Subsequent to <em>Chase</em> collections ' refusal to amend the EWS status, they \" offered '' me a settlement as ransom to unfreeze my XXXX status, through EWS. As of XX/XX/XXXX, I PAID XXXX {$160.00} of the <em>disputed</em> {$300.00} balance, with their emphatic assurance that this payment would permanently resolve the matter- in its entirety. \n\n7."]},"sort":[12.780538,"3554671"]},{"_index":"complaint-public-v1","_id":"3122376","_score":12.168771,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX Chase restricted and close all of our accounts and ended their banking relationship. Chase restricted all access to the accounts from us and stated all deposits and transactions would be denied/ blocked and returned. They refused to give us any of the money in the accounts. They said the account would stay restricted for the next 10 business days then they would close the accounts and the remaining balances would be sent out by check 10 business days. They said they were not allowing any activity at all and that all direct deposits would be denied and sent back to sender. ( we had my XXXX XXXX XXXX daughters federal social security XXXX payment for XXXX  for $XXXX scheduled to be deposited XX/XX/XXXX. \n\nI got documentation and submit it with a statement that due to the equifax breach my husband and Is identity, financial, everything was compromised and stolen and were being fraudulently used etc. I called chase to update them of this and inform them that this the fraud activity on our account and requested that they appeal their ruling on the claims claims. \nI was informed \"They didn;:t't see any errors with the transaction or attempts to authorize a different amount so we We denied your claims because the transactions occurred within your geographical area, you've previously done business with the merchants, the card was in your possession and there were no bad PIN tries, and you monitored your account on chase.com during the time the fraudulent transactions were occurring, but didn;:t't report them to us immediately. The remaining money in your account as well as a direct deposit for $XXXX that we received on XX/XX/XXXX will be held until the closure has been finalized. Your case/ account a final resolution date of XX/XX/XXXX. Any money that is owed to you, will be Issued 10 business days after and a check will be issued and mailed\" \nI said \"You knowingly accepted the Direct deposit of my daughters federal social security XXXX  payment of $XXXX on XX/XX/XXXX into an account that you restricted/ closed on the XXXX  and have denied any and all access to a the funds? You fraudulently accepted a federal direct deposit 10 days later and have hand it and refuse to release the funds to it and will not release the federal social security funds till 10 business days after the account closure on XX/XX/XXXX? So XX/XX/XXXX is when you stated a check will be issues and mailed to me along with the rest of our account balance essentially 4 months after you accepted it?\" \nShe said well I don;:t know why it was accepted. I informed her that the fraudulent accepting, garnishing and withholding of federal payments is a direct violation of the FDIC laws and regulations, as well as the COCO Electronic Funds act. Etc. Any errors of federal are required to be resolved and funds released within 24-48 hours. Also I want to dispute the decisions made on my fraud claims as they they were a result of identity theft that you were notified of with the police report number and documentation. Those transactions were fraudulent. I also notified you that all of my financial accounts and identifying information had been changed that I was not monitoring my account when these transactions had occurred. You were given all the documentation of the fraud including the statement from equifax that my information that was compromised in the credit reporting agency breach. This included access to all my financial and personal accounts. \nthat last correspondence was Tuesday XX/XX/XXXX I have yet to correspondence or reply to my requests. Nor have they given me access to/ released any of our funds which include the federal SSI payment, all of the funds from the fraudulent transactions on all 3 of our closed checking accounts, and all of the remaining account balances that were in the account and not part of this fraud when the account was restricted and closed.\nI will be obtaining legal counsel and starting legal proceedings if this is not resolved soon. I will also be starting proceedings with the department of social security, the department of disability, and the consumer financial protection bureau as this is a violation of our rights.","date_sent_to_company":"2019-01-11T18:07:32.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78154","tags":"Servicemember","has_narrative":true,"complaint_id":"3122376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-01-11T17:56:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX <em>Chase</em> restricted and close all of our accounts and ended their banking relationship. <em>Chase</em> restricted all access to the accounts from us and stated all deposits and transactions would be denied/ blocked and returned. They <em>refused</em> to give us any of the money in the accounts. They said the account would stay restricted for the next 10 business days then they would close the accounts and the remaining balances would be sent out by check 10 business days."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[12.168771,"3122376"]},{"_index":"complaint-public-v1","_id":"3063025","_score":12.131743,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Regarding my capital one mastercard : Capital one has repeatedly and egregiously violated mastercard 's policy regarding dispute handling, resulting in a cost to me in time and money to pay for invalid charges and/or endlessly pursue a just outcome. I am a merchant of more than a decade as well, and I would never get away with the unethical behavior these merchants have been allowed to participate in, and capital one has helped them to carry out. \n\nThere are 2 major recent incidents to report, though there are actually other past problems too : 1. I was billed for items on an order that I did not request/purchase, and by the merchant 's own admission, never received.I even had indisputable documentation that I contacted the merchant about the error before the date of service, and that they told me they would take care of it. \n\nThe merchant was XXXX XXXX, and the service they charged me for was a checked bag. I did not request it, but it was added to my order either by human or computer error. Well before the flight I contacted them by chat ( transcript provided to Capital One and available to this agency by request ). I was told the charge would be refunded, so long as I did not check a bag. After the flight, XXXX refused to refund despite no bag being checked, their previous promise, or the fact that I never asked to check a bag ( I never do, not an option I even consider ). The charge amount was {$90.00}. In six months and more than 30 hours of my efforts, Capital One never resolved the dispute properly by debiting the merchant. They did eventually refund me the {$90.00} from their funds, but I received no compensation for my time and trouble. \n\n2. I disputed a charge at a NYC hotel, because of the condition of hotel ( XXXX XXXX ). The floor was soaking wet in half of the unit. I was chasing roaches around ( have photos ), and the door/llock/handle were so loosely attached it was in no way secure. I visited the desk where the person there offered no remedy, dismissing me for the next customer ( yes seriously, right in my face, disregarded my complaint ). I then left the hotel. To this day capital one has not processed my dispute properly and re-billed me for the transaction. \n\nThe worst part of this one is how capital one has teamed up with the merchant to help them defraud me. They claimed there was a merchant response that I needed to reply to, but only notified me after the reversal, and then said it was too late to respond, but that I could still \" try '' if I wanted to. They claimed to have mailed me a copy of the merchant response with a letter. I received nothing, so either the mail failed or they lied about sending it. They then said they sent it again, and refused to send expedited or tracked. After a month that one also never arrived. Upon requesting they send it again either electronically or by some trackable service, they simply refused, and informed me that now that even more time has passed making my case almost unwinnable. So, they have demanded a timely reply to something I've never received. The first reply was expected before I was notified by any method. This must be illegal? and certainly violates the protections I am supposedly offered by using a card with the mastercard logo.","date_sent_to_company":"2018-11-01T19:11:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92107","tags":null,"has_narrative":true,"complaint_id":"3063025","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-11-01T18:44:21.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["They then said they sent it again, and <em>refused</em> to send expedited or tracked. After a month that one also never arrived. Upon requesting they send it again either <em>electronically</em> or by some trackable service, they simply <em>refused</em>, and informed me that now that even more time has passed making my case almost unwinnable. So, they have demanded a timely reply to something I've never received. The first reply was expected before I was notified by any method. This must be illegal?"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.131743,"3063025"]},{"_index":"complaint-public-v1","_id":"12038373","_score":11.647409,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have exhausted every possible avenue to recover my stolen funds, but I have been met with roadblocks at every turn. PayPal allows me to open disputes but then closes them, often logging me out during the process. As soon as I realized that my accounts had been drained by fraudulent transactions, I immediately took action : XX/XX/year> Visited XXXX Bank in person and spent hours disputing the charges. \nFiled reports with the FTC, CFPB ( Case # XXXX ), IC3, and the local XXXX XXXX XXXX  Police Department XXXX \nSent letters to the fraudulent company XXXX XXXX and to XXXX, yet not enough action was taken, citing time limitationseven though the fraudulent activity was ongoing. \nFiled multiple complaints with PayPal, which initially returned a few transactions but then refused to investigate further, and side with XXXX XXXX which I have sent multiple letters to and asked for the funds to be returned. PayPayl only credited back what XXXX bank restored. \nThis fraud has been financially devastating, affecting not only my personal accounts but also my business accounts and credit cards. The fraudulent company exploited my PayPal account, gaining access to every linked card I had ever used without my knowledge. Despite clear evidence of unauthorized access, PayPal failed to prevent these transactions, and XXXX did not fully investigate XXXX  let them gain access also and I did not know this was possible. \n\nAs a result of this fraud : My credit has been severely damaged, leaving me unable to pay bills electronically. \nI am forced to pay my electric and insurance bills in person because my accounts have been drained. \nI had to purchase a new phone to protect my accounts and prevent further breaches. \nI am financially devastated and struggling to keep my businesses afloat. \n\nWhen I saw what happened, I immediately : Deleted all linked cards from PayPal and reported them stolen. \nShut down compromised credit cards. \nGot a new phone to secure my financial information. \nEscalated complaints to every institution I could. \n\nYet, I have been abandoned by the very financial institutions that should protect me. Chases excuse that they \" only go back 30 days '' is unacceptable when this was an ongoing, organized fraud scheme. \n\nI am now in a financial crisis, my businesses are at risk, and I urgently need help. I am requesting that the CFPB force PayPal and XXXX to reopen my fraud case, conduct a proper investigation, and return my stolen funds. I also demand an explanation as to why PayPal allowed this unauthorized access and why XXXX failed to act despite clear evidence of fraudulent activity.","date_sent_to_company":"2025-02-11T23:57:20.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"12038373","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-02-11T22:55:32.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["PayPal <em>allows</em> me to open <em>disputes</em> but then closes them, often logging me out during the process. As soon as I realized that my accounts had been drained by fraudulent transactions, I immediately took action : XX/XX/year> Visited XXXX Bank in person and spent hours <em>disputing</em> the charges."]},"sort":[11.647409,"12038373"]},{"_index":"complaint-public-v1","_id":"3052082","_score":11.633638,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this dispute as non-compliance with UDAAP. I have been a long time client with multiple accounts - both deposit and credit card accounts - and feel this should be investigated and handled better. Instead, their lack of concern and knowledge to ensure their system ( which has a guarantee they list on their site ) accurately calculates the amount of time a check would require for mailing via USPS during non-peak times, which leads to their customers incurring fees is unfair and deceptive. We trust their knowledge and their word, so if they can not properly estimate the dates, they should not be listed. Additionally, if they are not willing to adhere to the guarantee they themselves have published on their site which states they will reimburse their customer for any fees incurred, they should not publish one -  especially given the guarantee is referencing the date which is calculated/assigned by their system. Now that I am trying to keep them to their word, after having trusted them with my money, they refuse to make it right and blame it on other parties. I have attached proof of payment which notes 1. the dates which the payment was sent and expected to arrive, 2. the copy of the submitted check, 3. the payee system 's stamp of receipt ( 2 days after the Deliver By date I assigned ). And lastly, I attached  screenshots of their site 's guarantee for the Bill Pay service. \n\nFor the last 2 month 's, I scheduled my monthly payment for a store credit card via Chase 's Pay Bills function. The system notified me the payee is not set up for electronic payment and would require a paper check to be mailed ; therefore, the funds would be drawn from my account several days before the due date to allow 5 business days for the check to arrive at the payee. The system allows you to select the Deliver By date, and will automatically populate the date for which it will pull the funds from my account. \n\nI always set the Deliver By date for the business day prior to the statement 's due date. However, the payee has noted both XX/XX/XXXX and XX/XX/XXXX payments arrived the day after the due date ( 2 days after the assigned Deliver By date ) causing my account to accrue late fees, interest charges, and other fees that would have otherwise been avoided had Chase adhered to their promise. I trusted them and their system to ensure my payments I designated would arrive on time given you are able to assign a Deliver Date and the system calculates the Send On date. Instead, that trust in Chase and the Online Bill Pay they advertise and steered me to has led to me being required to pay additional monies for their failure to adhere to their Online Bill Pay Guarantee. I have been charged late fees ( {$3.00} charged in XXXX + {$4.00} charged in XXXX ), interest ( {$1.00} charged in each month ), and other fees ( {$0.00} charged in XXXX + {$0.00} charged in XXXX ) due to these 2 payments I scheduled through Chase 's Pay Bills function arriving 2 days after the scheduled Deliver By date. Therefore, I am asking to be reimbursed for the these amounts. \n\nI logged into my store credit card 's site early this morning ( XX/XX/XXXX ), around XXXX XXXX, to check whether I had used it for a large purchase the other day. When reviewing the activity I noticed late fees & interest were charged in both months. I contacted Chase Customer Service and spoke with XXXX. She placed me on hold for about 5-7 minutes to speak with a Sr. Online Specialist and they determined there was no way for them to know if the check was held in processing and not mailed for a day or two.  They only have the date the check was cut and are relying on the systems to send out the checks on time. Therefore, they stated it must have been due to a delay at the USPS and suggested I simply send it days earlier, but there was nothing they could do as far as reimbursing me for these fees. I asked to speak with a supervisor, at which time I was transferred to XXXX. He advised he did not know of any Bill Pay guarantee like the one I kept referring to. I advised it was on their site and he again denied any knowledge of it. Instead, he too suggested I send it even earlier and there was no way they could reimburse me or make me whole. I advised I wasn't setting the Send On date, I was only entering the Deliver By date and their system was calculating the Send On date. He mentioned again it must have been a delay with the USPS ; however, I asked is that not why we give it 5 days to arrive to the payee? Given the system has both the address of Chase 's check processing center and of the payee, it should be able to calculate the amount of time it would require. And a check mailed from Delaware to Texas takes approximately 3 days, so had it been sent on time, there is no way the check would not have arrived on time given the 2 day buffer.","date_sent_to_company":"2018-10-21T05:11:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60031","tags":null,"has_narrative":true,"complaint_id":"3052082","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-10-21T01:04:18.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["For the last 2 month 's, I scheduled my monthly payment for a store credit card via <em>Chase</em> 's Pay Bills function. The system notified me the payee is not set up for <em>electronic</em> payment and would require a paper check to be mailed ; therefore, the funds would be drawn from my account several days before the due date to <em>allow</em> 5 business days for the check to arrive at the payee."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[11.633638,"3052082"]},{"_index":"complaint-public-v1","_id":"3181801","_score":11.249632,"_source":{"product":"Mortgage","complaint_what_happened":"On or about XX/XX/XXXX, I received XXXX XXXX on my right XXXX  to repair XXXX XXXX and XXXX. Shortly thereafter, on or ab out XX/XX/XXXX, I was admitted into the XXXX XXXX XXXX XXXX XXXX after experiencing XXXX related issues. I was placed in the intensive care unit for a number a days and thereafter, released from the hospital. Thereafter, on or about XX/XX/XXXX, I was wrongfully terminated from my place of employment that I held for approximately ten years. \n\nAfter experiencing three major life-changing experiences and being unemployed, I continued to make my mortgage payments via my personal savings. Thereafter, I requested assistance from then Washington Mutual, which was later purchased by JP Morgan Chase Bank and or Chase Home Financing all to no avail. I was instructed to continue making my mortgage payments and received absolutely no assistance from either bank! Thereafter, I learned that Chase Bank and or Chase Home financing signed a \" Servicer Participation Agreement for the Home Affordable Modification Program '' ( \" the HARP contract '' ) on XX/XX/XXXX with XXXX XXXX ( see-attached document labeled exhibit A ) on information and belief Chase Home Finance, LLC also signed a HAMP contract with XXXX   XXXX on XX/XX/XXXX. \n\nWith this newfound knowledge, I demand assistance from JP Morgan Chase Bank and or Chase Home Finance with negative results. Over 95 % of the time I attempted to contact Chase by telephone, I faced long periods of holding time and whenever I attempted to leave a message with their assigned representative, the service providers mailbox would inform me that it was \" full '' and can not accept any messages. In addition, Chase routinely gave false statements by stating that my documents were never received, but failed to specify what documents. \n\nChase Home Finance stated in a letter to Plaintiff, \" A review of our records indicates that Chase made numerous, unsuccessful contact attempts in order to try and facilitate a short sale. '' However, Plaintiff taped recordings tells a different story. The recordings shows Chase Home Finance had Plaintiffs correct telephone number, but intentionally and deliberately called the wrong number to prevent Plaintiff from receiving any assistance. \n\nTheir criminal practice carried on routinely and I submitted overwhelming documents and taped telephone conversations to prove that Chase Bank intentionally and deliberately failed to assist me. They continuously and repeatedly lied by alleging they did not receive any of the my documents TO AVOID PROVIDING THE ME WITH ANY RELIEF OR APPROVE A SHORT SALE BECAUSE SERVICING THE MORTGAGE WAS MORE LUCRATIVE TO THEM THAN PROVIDING ME WITH ANY RELIEF. \n\nJP Morgan Chase and/or Chase Home Finance are intentionally ignoring a grave fact that I sent the requested documents and they INTENTIONALLY LIED by stating that they never received my documents. As a direct result, I was forced into bankruptcy, my property went into foreclosure and my requests for assistance were denied for alleged insufficient documentation. Although, I have records to disprove their false statements and prove that the documents were sent to the defendants via certified mail RR, express mail, postal mail and facsimile ( Please see attached ). \n\nChase Home Finance also state in their letter to Plaintiff, \" Indications are that the property is fire damaged. '' Plaintiff vehemently disputed defendants false accusations and obtained a letter from the City of XXXX, New Jersey Fire Chief XXXX XXXX. In his letter ( See attached ) to Chief XXXX XXXX, Chief XXXX states that there have been no responses to the property in question during the periods I owned the property. In addition, Plaintiff took numerous photographs of the property, which clearly showed that there is absolutely no evidence of fire damage. \n\nContinuing with their misconduct, Chase called me at my home telephone number and left a message on the evening prior to the short-sale. At XXXX, XXXX XXXX ( phonetic ) of Chase Home Finance called from telephone No. XXXX and left a message on my voicemail stating that the short sale would be declined due to insufficient documentations that were never submitted. Plaintiff sent the documents via certified mail, express mail & facsimile. ( Please see attached receipts ) Beginning in the XXXX of XXXX, the federal government instituted several measures to try to stabilize the housing and credit markets and assist troubled homeowners. In XX/XX/XXXX, the Emergency Economic Stabilization Act of 2008 ( EESA ) was passed to promote stability and liquidity in the financial system. Among other things, EESA authorized the Secretary of the Treasury to establish the Troubled Asset Relief Program ( TARP ). TARP funds were used, in part, to promote various mortgage loan modification programs. \n\nThese programs were, The Making Home Affordable ( MHA ) Program, Home Affordable Modification Program ( HAMP ), \" The Home Price Decline Protection Incentives ( HPDP ) initiative, The Principal Reduction Alternative ( PRA ), The Home Affordable Unemployment Program ( UP ), The Home Affordable Foreclosure Alternatives Program ( HAFA ), The Second Lien Modification Program ( 2MP ), The FHA-HAMP Program, The Treasury/FHA Second-Lien Program ( FHA2LP ), The FHA Refinance for Borrowers with Negative Equity ( FHA Short Refinance ) Program, Housing Finance Agency Hardest Hit Fund ( HHF ) Despite the voluminous number of programs available, Chase Bank and or Chase Home Finance did not recommend nor offer any of the programs. Instead, they allowed me to go further into debt, foreclosure and then bankruptcy, while defendants continued profiting from servicing Plaintiffs mortgage and receiving credit from the United States Government. \n\nFurthermore, Chase Home Finance states, \" Chase did not receive the necessary documents in order to conduct a short sale review. '' Once again, Chase Home Finance intentionally and deliberately gave false statements in order to manipulate their requirements of the signed contract agreement with XXXX XXXX and other signed consent agreements with the United State government and the state of New Jersey. However, the facts will show that Chase Home Finance received their requested documents via express mail, certified mail and facsimile ( see attached documents ). \n\nChase Home Finance also state in their letter, \" Indications are that the property is fire damaged. '' Once again, this is a false statement. Attached hereto is a letter ( See attached document ) from the City of XXXX, New Jersey Fire Chief XXXX XXXX to Fire Official XXXX XXXX. In his letter to Chief XXXX XXXX, Chief XXXX states that there have been no responses to the property in question during the periods I owned the property. More importantly, I have taken numerous photographs of the property, which clearly shows that there is absolutely no evidence of fire damage. \n\nTo make it appear as though they made an effort to provide me with relief, Chase Home Finance called me at my home telephone number and left a message on the evening prior to the short-sale. At XXXX, XXXX XXXX ( phonetic ) of Chase Home Finance called me from telephone No. XXXX left a message on my voicemail stating that the short sale would be declined due to insufficient documentations that were never submitted. However, Mrs. XXXX statement that documents were never submitted is contradicted by my attached documents that prove otherwise. \n\nOn or about XX/XX/XXXX, the City of XXXX, New Jersey adopted a vacant property registration ordinance in which they began charging fees to register vacant homes ( See attached ). Unbeknownst to me, I paid the City of XXXX {$500.00} for the first initial registration fee, and {$1500.00} for the second registration fee. ( See attached documents ). \n\nOn or about XX/XX/XXXX, I responded to City of XXXX, NJ, spoke with Mrs. XXXX XXXX XXXX, and advised her that I could no longer afford to make the vacant property registration payments. Mrs. XXXX advised me to submit my statements in a letter addressed to her and as she requested, the letter was sent to her via priority mail. On or about XX/XX/XXXX, I received an email from a City of XXXX, New Jersey official, XXXX XXXX from the Department of Economic Housing Development Department. Mr. XXXX wrote to enquire about my payment of the vacant property registration fee. ( See attached ) I responded to Mr. XXXX email ( See attached ) and advised Mr. XXXX of the following : Attached hereto is a copy of the letter I sent to your office via priority mail # XXXX dated XX/XX/XXXX. It is in response to a letter from your office dated XX/XX/XXXX. Thereafter, I receive a telephone call from your office stating that Chase Bank is responsible for making the vacant property payments and that I would be receiving a refund. Since then, I have NOT received a refund or call from your office in regards to my refund, except your email in regards to XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. \n\nI am XXXX and CAN NOT afford to make the payments, in addition, Chase Bank REFUSES to liquidate the property and they have refused to make the REQUIRED vacant property payments and somehow, your office is deciding to go after the XXXX person with NO FUNDS and Chase Bank has BILLIONS of dollars and refuses to pay! \n\nPlease help/assist me in resolving this matter because I can not afford these payments. In addition, I am anticipating a refund from your office, not a notice to payment with penalties. \n\n\nCoincidently, Chase Bank released their lien to the property ( XXXX XXXX XXXX XXXX XXXX, NJ ) on or about XX/XX/XXXX, in order to avoid paying the City of XXXX, New Jersey the vacant Property registration fee. Unfortunately, I was not given notice from Chase Bank until AFTER XX/XX/XXXX. \n\nChase Bank is fully aware they are responsible for making the vacant property registration payment with the City of XXXX, New Jersey, however they intentionally failed to do so. I received numerous tickets on the property and made numerous court appearances because Chase Bank refused to maintain the property. \n\nI filed a complaint with the Consumer Financial Protection Bureau, more succinctly on or about XX/XX/XXXX. ( See attached ) Chase Bank responded with THREE separate letters addressed to me, admitting they owed XXXX XXXX {$2000.00}. We previously agreed to reimburse you {$2000.00} for certain fees based on the receipts you submitted in XX/XX/XXXX. WE WERE RESPONSIBLE FOR ALL REGISTRATION PERIODS UNTIL THE LIEN WAS RELEASED. \n\nChase Bank requested that I sign a release agreement that did not include any reimbursement for my cost of cleaning up the debris, reimbursement for paid back taxes, reimbursement for travel & cost for several court appearances because Chase Bank refuse to maintain the property or have it secured, nor did the document have a date in which I would be paid for my cost, so I refused because Chase Bank was not negotiating in good faith. \n\nOn or about XX/XX/XXXX, I filed a Complaint, alleging various violations of New Jersey 's Consumer Fraud Act ( CFA ), which protects consumers from deceptive, false, or fraudulent business practices because Chase Bank refused to pay. The Complaint alleges that Defendants falsely, erroneously and deceptively, denied Plaintiff any relief with respect to his mortgage loan with the defendants. ( See attached ) Chase Bank responded by lying to the court and denying owing me any monies. ( See attached brief by Chase Bank outside attorneys ) Chase Bank denied owing me the money for the vacant property registration fees and they denied having a responsibility to provide me with any relief with my property DESPITE SIGNING CONSENT AGREEMENTS WITH THE FEDERAL AND STATE GOVERNMENTS STATING THAT THEY WOULD PROVIDE HOMEOWNERS LIKE MYSELF RELIEF! INSTEAD, CHASE BANK CHOSE TO INTENTIONALLY, WILLFULLY & KNOWINGLY LIE IN A SUPERIOR COURT OF NEW JERSEY. \n\nFurthermore, there is no right to a loan modification under New Jersey Law and a servicer can not be compelled to accept a short sale. The crux of Plaintiffs Complaint appears to be loss mitigation. It is well accepted that \" there is no right to a loan modification under New Jersey law. '' Plaintiff also claims that Chase should be required to reimburse him for fees he paid to the City of XXXX for Vacant Property Registration and expenses paid to have the Property secured and debris removed. See Complaint, Prayer for Relief 6-7. However, Plaintiff entirely fails to present a cognizant basis as to why Chase should be responsible for these fees. \n\nFurthermore, there is no right to a loan modification under New Jersey Law and a servicer can not be compelled to accept a short sale. The crux of Plaintiffs Complaint appears to be loss mitigation. It is well-accepted that \" there is no right to a loan modification under New Jersey law. '' The Banks Unfair, Deceptive, and Unlawful Loan Modification and Loss Mitigation Processes Under the States consumer protection laws, Chase Bank is prohibited from engaging in unfair or deceptive practices with respect to consumers. \nPursuant to HUD regulations and FHA guidance, FHA-approved mortgage lenders and their servicers are required to engage in loss-mitigation efforts to avoid the foreclosure of HUD-insured mortgages. E.g., 24 C.F.R. 203.500 et seq. ; Mortgagee Letter 2008-07 ( Treble Damages for Failure to Engage in Loss Mitigation ) ( XXXX XXXX, XXXX ) ; Mortgagee Letter 1996-25 ( Existing Alternatives to Foreclosure -- Loss Mitigation ) ( XX/XX/XXXX ). Thus, when acting as a servicer, Chase Bank was required to refrain from foreclosing on any FHA insured mortgage where a default could be addressed by modifying the terms of the mortgage or other less-costly alternatives to foreclosure were available. \n\nUnder the Treasurys various rescue and stimulus programs, Chase Bank received monetary incentives from the Federal government in exchange for the commitment to make efforts to modify defaulting borrowers residential mortgages. See, e.g., Making Home Affordable Handbook v.1.0, ch. 13 ( Incentive Compensation ) ( XXXX XXXX, XXXX ). Under the programs, Chase Bank agreed to fulfill requirements set forth in program guidelines and servicer participation agreements. \n\nChase Bank regularly conducts or manages loan modifications on behalf of the entities that hold the loans and mortgages and that hired the Banks as servicers. In the course of their servicing and oversight of mortgage loans, Chase Bank violated federal laws, program requirements and contractual requirements governing loss mitigation. \n\n\nChase Bank attorneys statements in the briefs to the Superior Court of New Jersey Plaintiff also  claims that Chase should be required to reimburse him for fees he paid to the City of XXXX for Vacant Property Registration and expenses paid to have the Property secured and debris removed. See Complaint, Prayer for Relief 6-7. However, Plaintiff entirely fails to present a cognizant basis as to why Chase should be responsible for these fees. \n\nIn no event shall JPMC or XXXX request or require any borrower to execute a waiver of any claims against JPMC or XXXX ( including any agent of JPMC or XXXX ) in connection with any payment or Foreclosure Prevention assistance provided pursuant to paragraphs 3 or 4 of this Order. However, nothing herein shall operate to bar JPMC or XXXX from asserting in the future in any separate litigation, or as part of a settlement related to JPMCs or XXXX XXXX foreclosure and servicing practices, any right that may exist under applicable law to offset the amounts received by a borrower through the distribution process set forth above. Nothing herein shall operate to amend or modify in any respect any preexisting settlement between JPMC, XXXX, or an affiliate of either and a borrower in the In-Scope Borrower Population. By Order of the Board of Governors. \n\nLoss Mitigation Requirements. \n\nSERVICER SHALL BE REQUIRED TO NOTIFY POTENTIALLY ELIGIBLE BORROWERS OF CURRENTLY AVAILABLE LOSS MITIGATION OPTIONS PRIOR TO FORECLOSURE REFERRAL. Upon the timely receipt of a complete loan modification application, Servicer shall evaluate borrowers for all available loan modification options for which they are eligible prior to referring a borrower to foreclosure and shall facilitate the submission and review of loss mitigation applications. The foregoing notwithstanding, Servicer shall have no obligation to solicit borrowers who are in bankruptcy. \n\nServicer shall offer and facilitate loan modifications for borrowers rather than initiate foreclosure when such loan modifications for which they are eligible are net present value ( NPV ) positive and meet other investor, guarantor, insurer and program requirements. \n\nAs indicated in paragraph I.A.18, Servicer shall send a statement to the borrower outlining loss mitigation efforts undertaken with respect to the borrower prior to foreclosure referral. If no loss mitigation efforts were offered or undertaken, Servicer shall state whether it contacted or attempted to contact the borrower and, if applicable, why the borrower was ineligible for a loan modification or other loss mitigation options. \n\nServicer shall ensure timely and accurate communication of or access to relevant loss mitigation status and changes in status to its foreclosure attorneys, bankruptcy attorneys and foreclosure trustees and, where applicable, to court-mandated mediators. \n\nSingle Point of Contact 4. The SPOC SHALL, at a minimum, provide the following services to borrowers : a. Contact borrower and introduce himself/herself as the borrowers SPOC ; b. Explain programs for which the borrower is eligible ; c. Explain the requirements of the programs for which the borrower is eligible ; d. Explain program documentation requirements ; e. Provide basic information about the status of borrowers account, including pending loan modification applications, other loss mitigation alternatives, and foreclosure activity ; f. Notify borrower of missing documents and provide an address or electronic means for submission of documents by borrower in order to complete the loan modification application ; g. Communicate Servicers decision regarding loan modification applications and other loss mitigation alternatives to borrower in writing ; h. Assist the borrower in pursuing alternative non-foreclosure options upon denial of a loan modification ; i. If a loan modification is approved, call borrower to explain the program ; j. Provide information regarding credit counseling where necessary ; k. Help to clear for borrower any internal processing requirements ; and l. Have access to individuals with the ability to stop foreclosure proceedings when necessary to comply with the MHA Program or this Agreement. \nThe SPOC shall remain assigned to borrowers account and available to borrower until such time as Servicer determines in good faith that all loss mitigation options have been exhausted, borrowers account becomes current or, in the case of a borrower in bankruptcy, the borrower has exhausted all loss mitigation options for which the borrower is potentially eligible and has applied. \n\nServicer shall ensure that a SPOC can refer and transfer a borrower to an appropriate supervisor upon request of the borrower. \nServicer shall ensure that relevant records relating to borrowers account are promptly available to the borrowers SPOC, so that the SPOC can timely, adequately and accurately inform the borrower of the current status of loss mitigation, loan modification, and foreclosure activities. \nServicer shall designate one or more management level employees to be the primary contact for the Attorneys General, state financial regulators, the Executive Office of U.S. Trustee, each regional office of the U.S. Trustee, and federal regulators for communication regarding complaints and inquiries from individual borrowers who are in default and/or have applied for loan modifications. Servicer shall provide a written acknowledgment to all such inquiries within 10 business days. Servicer shall provide a substantive written response to all such inquiries within 30 days. Servicer shall provide relevant loan information to borrower and to Attorneys General, state financial regulators, federal regulators, the Executive Office of the U.S. Trustee, and each U.S. Trustee upon written request and if properly authorized. A written complaint filed by a borrower and forwarded by a state attorney general or financial regulatory agency to Servicer shall be deemed to have proper authorization. \nServicer shall establish and make available to Chapter XXXX trustees a toll-free number staffed by persons trained in bankruptcy to respond to inquiries from Chapter XXXX trustees. \nServicer shall consider partnering with third parties, including national chain retailers, and shall consider the use of select bank branches affiliated with Servicer, to set up programs to allow borrowers to copy, fax, scan, transmit by overnight delivery, or mail or email documents to Servicer free of charge. \n\nDevelopment of Loan Portals. \n\n1. Servicer shall develop or contract with a third-party vendor to develop an online portal linked to Servicers primary servicing system where borrowers can check, at no cost, the status of their first lien loan modifications. \n2. Servicer shall design portals that may, among other things : a. Enable borrowers to submit documents electronically ; b. Provide an electronic receipt for any documents submitted ; Provide information and eligibility factors for proprietary loan modification and other loss mitigation programs ; and c. Permit Servicer to communicate with borrowers to satisfy any written communications required to be provided by Servicer, if borrowers submit documents electronically. \n3. Servicer shall participate in the development and implementation of a neutral, nationwide loan portal system linked to Servicers primary servicing system, such as Hope LoanPort to enhance communications with housing counselors, including using the technology used for the Borrower Portal, and containing similar features to the Borrower Portal. \n4. Servicer shall update the status of each pending loan modification on these portals at least every 10 business days and ensure that each portal is updated on such a schedule as to maintain consistency. \n\nLoan Modification Timelines. \n\n1. Servicer shall provide written acknowledgement of the receipt of documentation submitted by the borrower in connection with a first lien loan modification application within 3 business days. In its initial acknowledgment, Servicer shall briefly describe the loan modification process and identify deadlines and expiration dates for submitted documents. \n2. Servicer shall notify borrower of any known deficiency in borrowers initial submission of information, no later than 5 business days after receipt, including any missing information or documentation required for the loan modification to be considered complete. \n3. Subject to section IV.B, Servicer shall afford borrower 30 days from the date of Servicers notification of any missing information or documentation to supplement borrowers submission of information prior to making a determination on whether or not to grant an initial loan modification. \n4. Servicer shall review the complete first lien loan modification application submitted by borrower and shall determine the disposition of borrowers trial or preliminary loan modification request no later than 30 days after receipt of the complete loan modification application, absent compelling circumstances beyond Servicers control. \n5. Servicer shall implement processes to ensure that second lien loan modification requests are evaluated on a timely basis. When a borrower qualifies for a second lien loan modification after a first lien loan modification in accordance with Section 2.c.i of the General Framework for Consumer Relief Provisions, the Servicer of the second lien loan shall ( absent compelling circumstances beyond Servicers control ) send loan modification documents to borrower no later than 45 days after the Servicer receives official notification of the successful completion of the related first lien loan modification and the essential terms. \n6. For all proprietary first lien loan modification programs, Servicer shall allow properly borrower financials to be used for 90 days from the date the documents are received, unless Servicer learns that there has been a material change in circumstances or unless investor requirements mandate a shorter time frame. \n\nIndependent Evaluation of First Lien Loan Modification Denials. \n\nExcept when evaluated as provided in paragraphs IV.B.8 or IV.B.9, Servicers initial denial of an eligible borrowers request for first lien loan modification following the submission of a complete loan modification application shall be subject to an independent evaluation. Such evaluation shall be performed by an independent entity or a different employee who has not been involved with the particular loan modification. \n\nServicer shall not, in the ordinary course, require a borrower to waive or release claims and defenses as a condition of approval for a loan modification program or other loss mitigation relief. However, nothing herein shall preclude Servicer from requiring a waiver or release of claims and defenses with respect to a loan modification offered in connection with the resolution of a contested claim, when the borrower would not otherwise be qualified for the loan modification under existing Servicer programs. \n\nShort Sales 1. Servicer shall make publicly available information on general requirements for the short sale process. \n2. Servicer shall consider appropriate monetary incentives to underwater borrowers to facilitate short sale options. \n3. Servicer shall develop a cooperative short sale process, which allows the borrower the opportunity to engage with Servicer to pursue a short sale evaluation prior to putting home on the market. \n4. Servicer shall send written confirmation of the borrowers first request for a short sale to the borrower or his or her agent within 10 business days of receipt of the request and proper written authorization from the borrower allowing Servicer to communicate with the borrowers agent. The confirmation shall include basic information about the short sale process and Servicers requirements, and will state clearly and conspicuously that the Servicer may demand a deficiency payment if such deficiency claim is permitted by applicable law. \n\n5. Servicer shall send borrower at borrowers address of record or to borrowers agent timely written notice of any missing required documents for consideration of short sale within 30 days of receiving borrowers request for a short sale. \n6. Servicer shall review the short sale request submitted by borrower and communicate the disposition of borrowers request no later than 30 days after receipt of all required information and third-party consents. \n7. If the short sale request is accepted, Servicer shall contemporaneously notify the borrower whether Servicer or investor will demand a deficiency payment or related cash contribution and the approximate amount of that deficiency, if such deficiency obligation is permitted by applicable law. If the short sale request is denied, Servicer shall provide reasons for the denial in the written notice. If Servicer waives a deficiency claim, it shall not sell or transfer such claim to a third-party debt collector or debt buyer for collection. \n\nServicer shall develop and implement policies and procedures to ensure that REO properties do not become blighted. \n\nE. Potential Violations and Right to Cure 1. A Potential Violation of this Consent Judgment occurs if the Servicer has exceeded the Threshold Error Rate set for a Metric in a given Quarter. In the event of a Potential Violation, Servicer shall meet and confer with the Monitoring Committee within 15 days of the Quarterly Report or Monitor Report indicating such Potential Violation. \n2. Servicer shall have a right to cure any Potential Violation. \n3. Subject to Section E.4, a Potential Violation is cured if ( a ) a corrective action plan approved by the Monitor ( the Corrective Action Plan ) is determined by the Monitor to have been satisfactorily completed in accordance with the terms thereof ; and ( b ) a Quarterly Report covering the Cure Period reflects that the Threshold Error Rate has not been exceeded with respect to the same Metric and the Monitor confirms the accuracy of said report using his or her ordinary testing procedures. The Cure Period shall be the first full quarter after completion of the Corrective Action Plan or, if the completion of the Corrective Action Plan occurs within the first month of a Quarter and if the Monitor determines that there is sufficient time remaining, the period between completion of the Corrective Action Plan and the end of that Quarter. \n4. If after Servicer cures a Potential Violation pursuant to the previous section, another violation occurs with respect to the same Metric, then the second Potential Violation shall immediately constitute an uncured violation for purposes of Section J.3, provided, however, that such second Potential Violation occurs in either the Cure Period or the quarter immediately following the Cure Period. \n\n5. In addition to the Servicers obligation to cure a Potential Violation through the Corrective Action Plan, Servicer must remediate any material harm to particular borrowers identified through work conducted under the Work Plan. In the event that a Servicer has a Potential Violation that so far exceeds the Threshold Error Rate for a metric that the Monitor concludes that the error is widespread, Servicer shall, under the supervision of the Monitor, identify other borrowers who may have been harmed by such noncompliance and remediate all such harms to the extent that the harm has not been otherwise remediated. \n\nIn conclusion, Chase Bank and or Chase Home Finance has breached their contract with me, violated the terms of their various signed consent decrees with the United States and state governments and intentionally drove me into foreclosure and bankruptcy because it was more lucrative for me to fail than to provide me with any relief. \n\nJP Morgan Chase Bank sent me THREE SEPARATE letters admitting that they owe me the money for the vacant property registration and refuse to reimburse me for the back taxes, clean up & multiple court appearances. Thereafter, they hired outside attorneys to lie for them in the Superior Court of New Jersey and state that they do not owe me any money for vacant property fees and they do not have to reimburse me for any of my cost and expense. JP Morgan Chase Bank auctions are criminal! \n\nI believe I have provided overwhelming documents that proves ; Chase Bank received ALL of my requested documents and they intentionally lied and ignored my repeated request for assistance because they knew they were going to be compensated by servicing the loan AND receiving credits from the federal government. \n\nI am requesting full reimbursement and to be made whole for the following reason : 1. Full reimbursement for vacant property fees 2. Full reimbursement for paid taxes/back taxes 3. Full reimbursement for court appearances and parking 4. Pain & Suffering 5 Intentional infliction of emotional distress 6. Negligent infliction of emotional distress 7. Committing malice in their wrongful conduct 8. Breach of Contract 9. Lost of Property","date_sent_to_company":"2019-03-16T16:29:15.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"07103","tags":null,"has_narrative":true,"complaint_id":"3181801","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-03-16T15:08:47.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am XXXX and CAN NOT afford to make the payments, in addition, <em>Chase</em> Bank <em>REFUSES</em> to liquidate the property and they have <em>refused</em> to make the REQUIRED vacant property payments and somehow, your office is deciding to go after the XXXX person with NO FUNDS and <em>Chase</em> Bank has BILLIONS of dollars and <em>refuses</em> to pay! \n\nPlease help/assist me in resolving this matter because I can not afford these payments."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[11.249632,"3181801"]},{"_index":"complaint-public-v1","_id":"3751888","_score":11.119618,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX - Chase Banking Background : Ive banked with since XXXX ( 24 years ) without issues of overdrafts or any negative events. I maintained a personal checking, savings account, and Home Equity Line of Credit ( HELOC ) in good standing my entire time as a Chase bank customers. All of my banking transactions are electronic, except for 1 check that I write monthly in the amount of {$580.00} payable to my eldest sons group home. He is XXXX  and I am his court-appointed guardian advocate helping him to manage is personal, medical, and financial events. All other check related events on my Chase checking account are mostly check deposits, usually from my grandmother ( XXXX XXXX ), reimbursing me for purchases made for groceries or other personal needs given she is elderly and unable to drive. \n\nXXXX XXXX - Checking Account Fraud Event : Over a 6 week period from XX/XX/XXXX XXXX XX/XX/XXXX I have either visited a local Chase bank at XXXX XXXX XXXX XXXX, XXXX, FL XXXX working directly with banking rep XXXX XXXX or called multiple times to the XXXX, option 3 ( Chase Fraud Claims Dept. ) to resolve the check forgery issue and get my funds reimbursed into my account. So far, all Chase has done is give me the runaround to-date. I kindly request assistance from CPFB given all of my attempts have been unsuccessful and a check forgery issue that Chase Fraud Claims stated on XX/XX/XXXX would only take 5 days to resolve has now turned in to 6 weeks with no resolution, no checking account reimbursement of my stolen funds, and no explanation or request for additional information from Chase. \n\nHeres the series of fraud events that transpired and actions that I have taken to resolve this issue with Chase Bank : XXXX : A person goes to a Chase Bank in New York and cashes 6 forged checks on my account. Check nos. XXXX - {$990.00}, XXXX - {$990.00}, XXXX - XXXX, XXXX - {$990.00}, XXXX - {$990.00}, XXXX - {$990.00}. All checks were made payable to XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX. The signatures on the back of the checks do not match my signature either. They were stolen checks from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX. I have never lived in Connecticut nor XXXX, neither conducted business with a XXXX XXXX XXXX, nor banked in any Chase location in New York or the other states aforementioned. I have always lived in Florida ( either XXXX or XXXX XXXX ). \n\nXX/XX/XXXX : The forged checks are returned unpaid by XXXX bank. \n\nXX/XX/XXXX : I checked my checking account online via the Chase app as I do every 2-3 days to check my balance and activity. It a pre-caution I take because I am paperless with Chase and dont receive bank statements via mail. And, my sister works for the XXXX  and has trained us to be extremely watchful for online fraud activity. I noticed that Chase had deducted from checking account the unpaid forged checks. I immediately call Chase to report unrecognized activity on my checking account and notify them that my account had been compromised. They transferred me to the Chase Claims Dept. who froze my compromised checking account ending inXXXX, opened a case, and told me that my funds would be replenished in 5 days. \n\nXXXX : Due to COVID limited Chase locations are open for in-bank support. I eventually found a nearby Chase location that was accepting in-house support at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and made an appointment. XXXX XXXX was the banker who assisted with opening a new checking account ending inXXXX. \n\nXX/XX/XXXX : I called Chase bank to check on the status of the fraud case and reimbursement of my funds thinking in 5 business days the issue would be resolve as Chase Fraud Rep stated on XX/XX/XXXX when I reported the fraudulent event ( check forgery ) on my checking account. They told me that I now needed to complete an Affidavit of Unauthorized Signature or Altered Item, get it notarized, and return it to the bank via fax to their Customer Claims Support Dept. in XXXX XXXX, TX ( fax : XXXX ). The Chase rep said I could go to the bank and obtain the form or they would mail the affidavit form to my home address. \n\nXX/XX/XXXX : I opted to go to the bank and obtain the form. So, I called XXXX XXXX at the Chase XXXX XXXX XXXX branch and he downloaded the form. I picked up the form from XXXX the same day. \n\nXX/XX/XXXX : I hand deliver the signed and notarized affidavit to XXXX XXXX at the Chase XXXX XXXX branch. He faxes the form directly to the Chase Claims Dept. as stated of the affidavit at XXXX in XXXX XXXX, TX. He also provides his name, contact number, bank branch name on the affidavit so that Chase can clearly see that a local bank rep had received the form and assisted. \n\nXX/XX/XXXX : I waited 5 business days and followed up again calling the Chase Claims Dept. at XXXX, option 3 ( Check Forgery Group ),  to check the status of the fraud claim and funds reimbursement. The initial rep gave me the standard no update, call back in 5 days. I refused and escalated to a supervisor because I was tired of getting the runaround and the 5 days resolution that I was told would occur back on XX/XX/XXXX had now turned into several weeks. The rep transferred me to a Claims Supervisor, XXXX XXXX. She stated they did not receive the signed affidavit that XXXX XXXX, XXXX Branch Rep, had faxed back on XX/XX/XXXX. I conferenced in XXXX XXXX who confirmed he faxed in the affidavit from the XXXX Branch location. XXXX then gave XXXX her direct Chase email account and asked XXXX to scan and email the signed affidavit. He did while I was inside the bank with him and XXXX confirmed receipt of the emailed affidavit and supporting documents. XXXX said he could not copy me on the email to XXXX because he was only allowed to send emails to personnel within Chase bank. XXXX XXXX committed to calling me back within that same week to provide an update on the status of my claim. \n\nXX/XX/XXXX : I did not hear back from XXXX XXXX, Chase Claims Dept. Rep, as she committed on XX/XX/XXXX so I called the XXXX, Option 3 ( Forged Checks Group ) again to check the status of my claim. This time I spoke with XXXX who confirmed that the affidavit was received, there was no notes on the claim that Chase needed anything further from me, and that she would escalate it to a Claims Supervisor to determine when a decision would be made and my funds reimbursed. She asked me to call back in 2-3 days ( the same statements made to me since opening the Fraud Claim back on XX/XX/XXXX ). Now, 4 weeks has transpired and I am still getting the runaround from Chase. \n\nXX/XX/XXXX : Due to the XX/XX/XXXX holiday I waited until XX/XX/XXXX to call in to the same Chase Claims Dept. number mentioned previously and check my claim status. XXXX was the rep I spoke with again. She remembered me because during our last call we spoke casually about the COVID situation and I explained in detailed the check forgery situation on my account. She told me there was no update and to call back in 2-3 days. \n\nXX/XX/XXXX : I called into the Chase Claims Dept. ( same number as before ) and this time spoke with XXXX an Claims Supervisor. At first she was really terse with me and non-committal on helping me beyond the call back in a few days statement. But, I persisted and she agreed to escalate the issue again. During my call with her I explained in detail that I have been a customer with Chase for 24 years, never had an issue with any of my accounts, and that Chase was not treating me like a valued customer. She agreed and said my story checked out from the account history she was viewing online. She escalated my issue and took my cell number stating she would speak with her supervisor when he/ she arrived to work and call me back the next day with a claims update. \n\nXX/XX/XXXX : XXXX never called me back. So, I called the Claims Dept. again ( hopefully you see the pattern here of stonewalling by Chase Bank ).  I spoke with XXXX, Claims Account Supervisor, after escalating and refusing to accept no update from the initial rep. XXXX stated the affidavit was not received which disputes the email confirmation from XXXX XXXX on XX/XX/XXXX that she received the emailed docs from another Chase Bank Rep ( XXXX XXXX XXXX XXXX XXXX Branch ). I conferenced in XXXX XXXX who confirmed with XXXX that he personally faxed the affidavit on 2 previous occasions and that he spoke with XXXX on XX/XX/XXXX who confirmed she received the email with the affidavit. XXXX said that XXXX needed to call him back to confirm his identity because he couldnt do so while I was on the phone with them. XXXX agreed and call back and re-send the affidavit to XXXX. XXXX called me back the same day to confirm that he had once again sent the signed affidavit to the Chase Claims Dept. \n\nI will follow-up again with Chase Claims Dept. on XX/XX/XXXX in hopes of finally getting the claim closed and my fund reimbursed. But, I am doubtful given the series of events and delays from Chase thus far. I kindly request CPFB support in getting Chase to do the right thing at this pointreplenish my funds and close this claim. Feel free to contact me at XXXX if you need additional information or support to bring this matter to prompt resolution with Chase bank. \n\nKind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX","date_sent_to_company":"2020-07-18T12:30:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"34997","tags":null,"has_narrative":true,"complaint_id":"3751888","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-07-18T12:00:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["So, I called the Claims Dept. again ( hopefully you see the pattern here of stonewalling by <em>Chase</em> Bank ).  I spoke with XXXX, Claims Account Supervisor, after escalating and <em>refusing</em> to accept no update from the initial rep. XXXX stated the affidavit was not received which <em>disputes</em> the email confirmation from XXXX XXXX on XX/XX/XXXX that she received the emailed docs from another <em>Chase</em> Bank Rep ( XXXX XXXX XXXX XXXX XXXX Branch )."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[11.119618,"3751888"]},{"_index":"complaint-public-v1","_id":"3663914","_score":10.648072,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am the victim of identity theft and fraud through an ex girlfriend which occurred over a two year period from XXXX of XXXX until XX/XX/XXXX. I filed charges against this person for impersonating me and stealing thousands of dollars through XXXX credit cards of mine, XXXX, XXXX XXXX XXXX, and XXXX. Two of these cards, XXXX XXXX XXXX and XXXX cleared the fraudulent debt immediately with no trouble, but XXXX has continued to improperly report this debt to intentionally damaged my credit report through false reports. I have attempted to resolve this issue for more than a year on my own to no avail. \nThe XXXX card \" investigators '' of the fraud claim have fabricated information making such claims as I provided access to these cards on my own free will, allowed the ex to use them, and even that I was liable because we co-habitated making this a civil matter. I have asked them for documentation to show me where this evidence was gathered, but they refuse. I have never allowed this ex to use my cards and made it clear she took them without my permission, yet they filed reports that it was consensual and permission granted. I have asked for copies of their card agreement with the section highlighted showing me where this would be considered civil as a basis for this decision and they refuse ( I presume because it does not exist ), and have even asked for a copy of my agreement to where I signed this agreement binding me to these terms and contract, to which one was never been provided, either electronically or through the mail. At no time was the person who stole this money given permission to access or use my credit cards, thus resulting in two felony charges with my local police department of identity theft and credit card fraud. I have provided these police reports to XXXX who refuses to accept them. Instead, XXXX insists this matter is civil as a way to avoid honoring their fraud guarantee they promote in solicitation of their cards. When asked how I am not protected on this fraud protection guarantee, they continue to state their review has resulted in the investigation being deemed civil. XXXX is knowingly damaging my credit for a debt they have been provided proof is the result of fraud. They refuse to accept these documents and are the only company I have had any issues with as a result of this fraud. I have provided disputes to the credit bureaus and XXXX XXXX deleted the entry, yet XXXX and Equifax continue to report this charged off card as valid because they state XXXX has provided them responses that the debt is valid. \n\nI have no other late payments or derogatory marks on my credit history other than XXXX. I have threatened XXXX  with legal action, to which the representative literally laughed stating I was bound by their arbitration agreement and they would choose the arbitrator and I would have to pay, so \" good luck ''. I understand this clause is an attempt to save time in the court system, but it is also to make it impossible to provide a fair trial in front of a judge. I then suggested XXXX should simply sue me in court if they felt it was a justified debt, because I would never repay this debt and would be happy to explain this in front of a judge who would dismiss their case. Naturally, XXXX refuses to accept this offer because they know they can not win as my evidence and officers who took the fraud report and investigators working the case can testify to the legitimacy of the fraud. So, the attempt by XXXX to prevent me from having this account deleted is purely for intentional damage to my financial health as well as to harass me to try to get me to break and settle this debt. \n\nI am filing this complaint against Equifax as they are a party to this fraudulent account continually being reported on my account. While XXXX may choose to submit false information to the credit bureaus, it is the job of the credit reporting agency to verify this information as accurate. To date, the responses I receive from Equifax on these complaints is that \" they verified the information as accurate that was provided to them by XXXX ''. Equifax is a culpable party to this complaint as they are not using the evidence provided to them, they are simply reporting back what XXXX states without also verifying evidence. Equifax was provided an updated copy of the police report from the XXXX, NC police department where an additional charge of Felony Identity Theft was added against XXXX XXXX XXXX, the actual person that committed the fraud using the XXXX credit card. By choosing to ignore this police report which clearly states I was the victim of identity theft and credit card fraud, Equifax is negligent. At this time, XXXX Bank has absolutely no evidence contrary to the evidence I have provided showing I am the victim of fraud. Therefore, Equifax having no further evidence provided by chase, ( other than assumptions ), is also negligent for allowing this damaging information to continue to report on my credit bureau. Unless XXXX can provide evidence contrary to the reports provided by the XXXX, NC police department, Equifax would have only their word, with no direct knowledge of the situation, and actual police reports from my side of the dispute. It would appear that Equifax is either failing to investigate this dispute, or simply ignoring evidence provided by myself and copying whatever XXXX Bank tells them to put on my credit bureau. Regardless of the reason they state the information has been reported as accurate, Equifax is derelict in their duties to protect consumers from inaccurate information as they have not actually provided any investigation into this matter. I am attaching the most recent dispute results from Equifax where they clearly state \" This creditor has verified to OUR company that the balance is being reported correctly ''. This is not how a dispute should work, a creditor can not simply put that the person is disputing the account as being wrong simply because the creditor SAID the account is accurate. No evidence was provided, no one with personal knowledge of the situation is involved, and no documentation was provided contrary to my police statements taken by Detectives working a fraud case against the person who charged up my cards. Equifax has NOT completed a true investigation and must delete the account immediately.","date_sent_to_company":"2020-05-21T13:19:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27530","tags":null,"has_narrative":true,"complaint_id":"3663914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-05-21T12:46:29.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Therefore, Equifax having no further evidence provided by <em>chase</em>, ( other than assumptions ), is also negligent for <em>allowing</em> this damaging information to continue to report on my credit bureau. Unless XXXX can provide evidence contrary to the reports provided by the XXXX, NC police department, Equifax would have only their word, with no direct knowledge of the situation, and actual police reports from my side of the <em>dispute</em>."]},"sort":[10.648072,"3663914"]},{"_index":"complaint-public-v1","_id":"21279332","_score":10.602503,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"b'The timeline below is more than XXXX XXXX of data.\\n\\nI obtained a XXXX cashiers check from XXXX XXXX and mailed it to XXXX. The check was misdelivered by XXXX  and was intercepted and deposited by an unrelated third party into their own Bank of America account. Bank of America accepted the deposit and is now in possession of the physical check. Chase opened a fraud investigation immediately and formally notified Bank of America, which triggered Bank of Americas statutory obligation to open a corresponding investigation and provide a case number within 30 calendar days. It has now been XXXX  days, and Bank of America has refused to provide a case number, refused to confirm in writing that an investigation exists, and has stated by phone that the matter is solely XXXX  responsibility. That is incorrect under the law because Bank of America accepted, processed, and now holds the check. Their refusal to acknowledge or document an investigation is preventing recovery of the funds.XXXX XXXX  acquired a XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested, verbally, three times for signed return receipt. The XXXX  employee insisted that was included in XXXX  Priority Mail Express.\\nTRACKING NOXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX envelope addressed to XXXX  XXXX  Management delivered to an unknown address.\\nNo signature was requested by XXXX. No return receipt would arrive.\\nThe check was endorsed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulently (by law or regulation, not with the intent to commit fraud) deposited the check to account numberXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBank of America accepted the deposit as a mistake. No laws or regulations were broken.\\n\\tBank of America placed a hold on the check pending verification of authorization.XXXXAwaited confirmation from XXXX XXXX XXXX (hereafter XXXXAwaited confirmation from Kuttin .XXXX XXXX inquired to XXXX, who are an agent of XXXX, by telephone, whether XXXX  had received the check. She spoke to XXXX XXXX XXXX XXXX, who had not received the Cashiers Check for the amount of XXXX. A summary description of that conversation appears below, in contextXXXX XXXX appeared in person at the branch of XXXX  XXXX  and obtained a copy (attached) of the front and back of the Cashiers Check, showing the Payee and the endorsement, as described aboveXXXX XXXX called XXXX XXXX XXXXt in XXXX XXXX, and requested a return of the check. That day XXXX XXXX spoke directly to XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not aware of the situation and offered to follow up.\\nNOTE: Mr. and XXXX XXXX XXXX XXXX XXXX XXXX explanation of a mistake and that they did not intend to commit fraud. XXXX XXXX XXXX has been cooperative in resolving this matter, and XXXX XXXX XXXX XXXX are pleased with their cooperation.XXXX XXXX was notified by Bank of America that the claim would have to be pursued through XXXX  Bank. This information was relayed to XXXX XXXX after EOB on 0XXXX XXXX appeared in person at the branch of XXXX  Bank and met with XXXX XXXX XXXX XXXXtAt the outset of the meeting, XXXX XXXX presented the facts above to XXXX XXXX XXXX XXXX further instructed and demanded:\\n\\tBecause the endorsement was unauthorized, the bank remains liable for the funds. We need immediate reissue or a same-day wire to the intended payee.XXXX XXXX replied that an investigation would be initiated through established channels of Chase Bank. XXXX XXXX instructed and demanded:\\n\\tThe investigation can proceed separately. Right now, the bank must replace the funds because the check was not properly negotiated. We need the replacement instrument today.XXXX XXXX replied that XXXX  XXXX  policy prohibited the demanded transaction for any amount exceeding XXXX XXXX XXXX instructed and demanded:\\n\\tInvestigations happen after the bank makes the payee whole. A cashiers check is the banks own obligation. When its mis negotiated, the bank must replace the funds immediately.\\nNOTE: The quotes above are exact and spoken from a written script.XXXX XXXX replied that the policy of XXXX  Bank did not allow the replacement of funds, or any other resolution, and that replacement or resolution would require issuance by Bank of America.\\nAfter much discussion, XXXX XXXX filed a Fraud Claim to XXXX  Bank per the XXXX  Bank policy of use of their proprietary communication system (computer network). The Claim was assigned identification number XXXX XXXX officially requested that XXXX  Bank accelerate the investigation due to the time sensitivity of the payment to Ameriprise.XXXX XXXX further informed XXXX XXXX that he would need to take the following steps (with the aid of XXXX  XXXX, where noted):\\n\\tComplete a form titled Declaration of Unauthorized Endorsement or Altered Item.\\n\\tUsing a XXXX  Overnight envelope provided at the expense (not incurred, see below) of XXXX  XXXX, send the paper form to XXXX XXXX XXXX XXXXtNOTE: The address was a mistake on the part of XXXX XXXX and should have been directed to XXXX XXXX XXXX; additional details below.XXXX was to complete their section of the Declaration of Unauthorized Endorsement or Altered Item and return it to XXXX XXXX XXXX XXXX in a XXXX  Overnight envelope for inclusion with the document, for the purpose of returning the completed and signed document.\\XXXX XXXX was to return to XXXX  XXXX  with the signed document, which Chase Bank would fax to the XXXX  Bank Fraud DepartmentXXXX XXXX XXXX XXXX XXXX to call the XXXX  Bank Fraud Department directly aXXXX XXXX XXXX\\nto inquire as to whether there were alternative means to transmit the document to Chase Bank Fraud Department. XXXX XXXX spoke to XXXX  (no last name requested nor provided) at the XXXX  Bank Fraud Department to inquire whether the document would be accepted in an email as a scanned PDF, or through a secure online portal. XXXX  insisted that the document must be faxed to the Chase Fraud Department. \\n\\tAfter returning home from the Bank, XXXX XXXXXXXX by was informed by XXXX XXXX of his mistake in the designation of the addressee. XXXX XXXX was informed of his mistake after Close of Business on XXXX XXXX XXXX closedXXXX XXXX returned to XXXX  Bank and spoke to XXXX XXXX and explained the mistake regarding the recipient of the form and label. XXXX XXXX provided corrected mailing labels at the expense of XXXX XXXX XXXX placed the XXXX  Overnight envelope containing the Declaration of Unauthorized Endorsement or Altered Item as completed by XXXX XXXX XXXX XXXX into the hands of a XXXX  Branch Manager, who promptly placed the envelope in transit, Tracking/ReferenceXXXXAwaited responseXXXXAwaited response.XXXX XXXX confirmed receipt of the document with XXXX XXXX, by telephone, confirmed that she had completed the document, placed the document in the XXXX  return envelope provided which was addressed to XXXX XXXX XXXX XXXX and that XXXX  had picked up the envelope from their office. XXXX XXXXs added to the Declaration of Unauthorized Endorsement or Altered Item the following Information provided by Payee (the person that the check was made payable to):\\n\\tI am the Administrative Assistant at the XXXX XXXX  for (inserted) XXXX  (end of insertion) XXXX XXXX XXXX XXXX XXXX contacted us on XXXX to see if we received the mailed check. We had not, so I checked tracking & it delivered. I checked with everyone here, all suites in the building & with mail carrier to no avail. XXXX XXXX XXXX did not get a deposit. I told XXXX XXXX & she checked with her bank to see if it had been deposited by another party. The company is unknown to me and has nothing to do with anyone at XXXX XXXX XXXX, and is a completely unrelated entity to XXXX.\\n\\tSigned by XXXX XXXX XXXX XXXX and dated XXXXtNo package from XXXX XXXX XXXX  arrived to XXXX XXXX XXXX XXXX. They proceeded to track the envelope and found it was at a XXXX  facility in XXXX XXXX the same city in which XXXX  is located.XXXX XXXX XXXX placed a note on the front and back entrances of her home directing the XXXX  delivery person on how to hand the envelope to XXXX XXXX That was a XXXX XXXX XXXX XXXX expected delivery by XXXX. Tracking indicated the envelope was still at XXXX  in Arlington.XXXX     Tracked package. It was marked as being in XXXX XXXX XXXX XXXX  contacted XXXX  via phone, but XXXX  was unable to start an investigation. XXXX XXXX contacted XXXX  via phone, but XXXX  was unable to start an investigation.XXXXtTracked package. It was marked as being in XXXX, XXXXTracked package. It was marked as being in XXXX, but not out for delivery. XXXX XXXX initiated a copy of the Declaration of Unauthorized Endorsement or Altered Item in XXXX, an electronic document and signature verification system in which documents are accessed through a secure online portal.XXXX XXXX  completed the electronically signed document, and XXXX XXXX was notified electronically that it was fully signed and accessible.XXXX XXXX returned to XXXX  Bank and inquired to various employees, including bank teller Patience (last name not recorded), and XXXX. XXXX, whether XXXX  would accept an electronically signed document. Both parties were unsure.  XXXX XXXX concluded that XXXX  Bank would not accept an electronically signed document, nor a PDF of such a document. XXXX XXXX departed.XXXX XXXX  returned to XXXX  Bank and presented a printed, electronically signed copy of the Declaration of Unauthorized Endorsement or Altered Item, to teller XXXX XXXX XXXX XXXX  who, at the direction of XXXX XXXX, who was unaware that it was a printed, electronically signed document; and whom XXXX XXXX asked to fax to\\XXXX  Fraud Department at XXXX XXXX included a cover letter requesting immediate processing of the document, and confirmation of receipt of the fax. XXXX XXXX XXXX XXXX sent the fax via eFax on her cell phone.XXXX  Bank Fraud Department provided no confirmation.XXXX XXXX XXXX XXXX XXXX, XXXX  delivered the original, properly and personally signed document to XXXX XXXX XXXX XXXX XXXX returned to XXXX  Bank, where XXXX XXXX XXXX XXXX faxed the most recent document to the XXXX  Bank Fraud Department, with a similar cover letter, requesting immediate confirmation of receipt of the document by telephone or email. The personally signed document contained the same text cited above on XXXX. No confirmation was received from XXXX  Bank Fraud Department.XXXXAwaited response.XXXX XXXX called the XXXX  Fraud Department directly, on cell phone, atXXXX XXXX XXXX XXXX  spoke to a man who identified himself as XXXX  (no last name requested nor provided). Sameer asserted that Chase Fraud Department could not process the document because they had not received it, through a proprietary online document filing system, from the staff that received the fax at XXXX; that they were an independent department of XXXX  Bank, the independent department responsible was to scan and post the received fax to the proprietary system, and that his department would not, or perhaps could not by XXXX  Bank policy, contact the separate department.\\n\\tSameer advised XXXX XXXX to send a scanned copy of the document to the email address\\XXXX advised XXXX XXXX that it would be XXXX XXXX days before the email was reviewed, and another XXXX XXXX  days to respond. XXXX XXXX requested XXXX  to intervene and accelerate the process. XXXX  declined. As of this writing, on 0XXXX no receipt has appeared in XXXX XXXX email inbox, nor deleted folder, nor spam folder.\\XXXX XXXX requested, and XXXX  complied, to speak to his manager. A woman who identified herself as Mia (no last name requested nor provided) reiterated that the faxed document would have arrived at the Scanning Department and that Chase Fraud Department would not, or could not act on the document, until it was available in the proprietary online secure portal.\\XXXX XXXX returned to Chase Bank, where XXXX XXXX was unavailable due to a day-long meeting with her supervisor. Patience, a Chase employee, informed XXXX XXXX XXXX XXXX XXXX could not be interrupted in any manner whatsoever during the meeting; that she could not answer her phone, she could not answer emails, she could not receive a written note, she and her supervisor could not and would not be interrupted by any method whatsoever, for any reason whatsoever. The supervisor commanded the uncontroverted attention of XXXX XXXXPatience requested her supervisor, who identified herself as XXXX (no last name requested nor provided), to assist XXXX XXXX in transmitting the document once again to the Scanning Department. XXXX transmitted the same document that had been transmitted on XXXX, and promised to expedite the issue through official channels, and made no guarantee that her request would be honored.\\XXXXtThis timeline was recorded by XXXX XXXX XXXX XXXX XXXX XXXX. I affirm all events herein, to the best of my recollection, and I will testify to the accounts and events recorded here, under any circumstances, including but not limited to oath under penalty of perjury.\\XXXXThere remains no confirmation from XXXX  of receipt of the emaiXXXXtSent a follow-up email with the identical information cited above to the Chase Bank Executive OfficeXXXX XXXX XXXX XXXX  received confirmation of receipt of the letter to Chase Bank Court Orders and XXXX  Department. To date of this writinXXXX XXXX XXXX XXXX XXXX XXXX XXXXave not received a response to that letter.XXXX XXXX received a telephone call from Jusin (no last name given nor requested) at the Executive Office of Chase Bank, verifying receipt of the email.\\XXXX XXXX  called Justin at XXXX XXXX XXXX XXXX XXXX. XXXX  confirmed that the email was properly sent to and received by the Executive Office of Chase Bank, and that he would forward the email to the Investigation Department. Justin stated that the Investigation Department would issue a notice to Bank of America allowing XXXX  calendar days (the maximum allowed by statute) to respond to the claim and restore the funds misappropriated by Bank of America.\\n\\XXXX  provided case number XXXX XXXX XXXX. XXXX  also stated that a formal collection notice had been sent to Bank of America on XXXX and that by statute they were required to respond within XXXX  calendar daysXXXX XXXX XXXX XXXX  received confirmation of receipt of the letter to XXXX  Bank Customer Disputes  Notices of Error Department. As of this writing XXXX  no response has been received.XXXX XXXX called XXXX  to verify that the process was underway. XXXX  confirmed that XXXX  Bank was still waiting for a response from Bank of America.\\n\\tThat same day XXXX XXXX XXXX XXXX sent a letter via XXXX  to the Bank of America Executive Office demanding that Bank of America respond within XXXX  business days with a case number, and an explanation of why the funds had not been returned. That letter is attached.\\XXXX confirmed delivery of the letterXXXX XXXX received a voice mail, and XXXX XXXX XXXX XXXXXXXX  received an email from XXXX XXXX at the Executive Office of Bank of America askinXXXX XXXX XXXX XXXXturn her call, stating that the matter  was private and could not be discussed in voicemail or emailXXXX XXXX XXXX XXXX spoke on the telephone with XXXX XXXX at the Executive Office of Bank of America. On a recorded line, XXXX XXXX made the following assertions:\\n1.\\tBank of America has no access to records of the cashiers check.\\n2.\\tBank of America is not responsible for accepting deposit of the check.\\n3.\\XXXX  Bank is responsible for restoration of the funds.\\n4.\\tBank of America cannot put her assertions into writing because XXXX  Bank is solely responsible for the conclusion of the investigation and restoration of funds. XXXX XXXXXXXX  insisted that Bank of America cannot send a letter to us regarding points 1, 2, and 3 above because the matter was in the hands of XXXX XXXX XXXX XXXXy stated that Bank of America was fully within their rights and responsibilities to provide its claims in writing. XXXX XXXX refused to acknowledge his statement.\\XXXX XXXX XXXX XXXX contacted Justin at the XXXX  Bank Executive Office, who stated that he would inquire with the Investigation Department within the next business day regarding whether a response had been received from Bank of America.\\n\\XXXX  reiterated that XXXX  has no control over Bank of Americas response.\\XXXX  stated that the matter may still be under investigation by XXXX  Bank Investigation Department. XXXX  correctly stated that the response deadline for Bank of America is XXXX XXXX XXXX XXXX  calendar days from the issuance by the inquiry by the Investigation Department.XXXXXXXX followed up with XXXX XXXXy by telephone and reported he had no new information to report. XXXX  said he reengaged with the Investigation Department regarding the issue.\\nXXXX XXXX called XXXX  to follow-up. He says he spoke to the Investigation Department and they have no updates, and no communication back from BofA. \\tThis timeline was updated bXXXX XXXX XXXX XXXX XXXX XXXX XXXX I affirm all events herein, to the best of my recollection, and I will testify to the accounts and events recorded here under any circumstances, including but not limited to oath under penalty of perjury.XXXX XXXX XXXX  was contacted by BofA who stated they cannot confirm nor deny they have received a complaint from XXXX  Bank, and cannot, or will not, put that in writing. According to Bank of America, this call was also recorded.'","date_sent_to_company":"2026-04-15T21:04:39.000Z","issue":"Fraud or scam","sub_product":"Money order, traveler's check or cashier's check","zip_code":"77092","tags":"Older American","has_narrative":true,"complaint_id":"21279332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-15T19:56:20.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["<em>Chase</em> opened a fraud investigation immediately and formally notified Bank of America, which triggered Bank of Americas statutory obligation to open a corresponding investigation and provide a case number within 30 calendar days. It has now been XXXX  days, and Bank of America has <em>refused</em> to provide a case number, <em>refused</em> to confirm in writing that an investigation exists, and has stated by phone that the matter is solely XXXX  responsibility."]},"sort":[10.602503,"21279332"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":36,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":36}]}},"product":{"doc_count":36,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":11},{"key":"Other banking product or service","doc_count":2},{"key":"Savings account","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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