{"took":428,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":298,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21564049","_score":17.645107,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Request for Reconsideration of Closed XXXX Fraud Case New Third-Party Evidence Not Considered I am submitting a new complaint regarding a previously closed dispute with Chase involving XXXX XXXX payment of {$250.00} sent on XX/XX/year>. \n\nThis case was previously closed by both Chase and CFPB. However, I am reopening this matter due to new, material third-party evidence of fraudulent activity that was not available or considered during the original investigation or response. \n\nKey Facts : - On XX/XX/year>, I sent a {$250.00} XXXX payment to an account represented as a pet adoption center. \n- The payment was made based on information that appeared legitimate at the time. \n- After the transaction, I conducted further investigation and reported the account to the platform where I originally found the listing/contact. \n- The platform confirmed that the account violated its policies due to fraudulent or scam-related activity and restricted/banned the account for misconduct. \n- This confirmation was issued after the original dispute was closed and was not considered in Chases investigation or CFPBs prior review. \n\nIssue : Chase closed the claim under the determination that the transaction was an authorized XXXX payment. However, this conclusion did not take into account subsequent third-party confirmation of fraudulent activity associated with the recipient account. \n\nThis is not a case of buyers remorse or a simple payment dispute. The transaction was induced through misrepresentation, and there is now independent confirmation that the recipient account engaged in deceptive and fraudulent conduct. \n\nConcern : The original investigation appears to have been completed without consideration of all relevant evidence, specifically the external fraud confirmation obtained after case closure. As a result, the determination may not reflect the full set of facts. \n\nRequest : I respectfully request that CFPB : XXXX. Require Chase to reopen and fully reconsider this claim in light of the new evidence. \nXXXX Review whether Chase conducted a complete and reasonable fraud investigation. \nXXXX. Ensure that external, third-party fraud confirmations are properly considered in determining outcomes for Zelle-related disputes XXXX \n\nI am attaching supporting documentation, including platform confirmation and related communications. \n\nThank you for your time and consideration of this matter.","date_sent_to_company":"2026-04-24T13:56:52.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"21564049","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-04-24T13:49:40.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Concern : The original <em>investigation</em> <em>appears</em> to <em>have</em> been completed without consideration of all relevant evidence, specifically the external fraud confirmation obtained after case closure. As a result, the determination may not reflect the full set of facts. \n\nRequest : I respectfully request that CFPB : XXXX. Require <em>Chase</em> to reopen and fully reconsider this claim in light of the new evidence. \nXXXX Review whether <em>Chase</em> conducted a complete and reasonable fraud <em>investigation</em>. \nXXXX."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[17.645107,"21564049"]},{"_index":"complaint-public-v1","_id":"7626772","_score":17.069805,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/XXXX Report of Fraud Dispute With Chase Bank In XXXX of XXXX I discovered that my Chase credit card had been fraudulently charged to an XXXX account on a ongoing basis from XXXX. I identified the charges by comparing my bank statements with a list of transactions from my XXXX account. I found 107 charges on my credit card that I did not make and did not appear on my XXXX account transaction list. The charges are listed and attached. \n\nAll of the charges were made to Chase # XXXX. That account number was closed by Chase ( without explanation ) in XX/XX/XXXX and replaced with # XXXX. Fraudulent charges to XXXX made on XXXX continued to be paid by Chase from my XXXX account through XX/XX/XXXX even though XXXX was closed. \n\nA fraud report was made by me to Chase. They claimed to have investigated and determined that all charges were legitimate. I asked them to reopen the investigation which they did and they came to the same conclusion. I then contacted XXXX and asked them to investigate one of the charges selected at random. They determined that the selected charge was indeed fraud made by someone else using another account shipping the product to another location ( see attached email from XXXX ). I asked Chase to reopen the investigation in light of this new information from XXXX. They reinvestigated and determined that the charge was legitimate. \n\nI believe that Chase is not acting in good faith. They are claiming that charges that are clearly fraudulent are in fact legitimate. They give no explanation for their conclusion and they do not report what they did to investigate.","date_sent_to_company":"2023-09-30T19:31:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"902XX","tags":"Older American","has_narrative":true,"complaint_id":"7626772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-09-30T19:02:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["That account number was <em>closed</em> by <em>Chase</em> ( without explanation ) in XX/XX/XXXX and replaced with # XXXX. Fraudulent charges to XXXX made on XXXX continued to be paid by <em>Chase</em> from my XXXX account through XX/XX/XXXX even though XXXX was <em>closed</em>. \n\nA fraud report was made by me to <em>Chase</em>. They claimed to <em>have</em> <em>investigated</em> and determined that all charges were legitimate. I asked them to reopen the <em>investigation</em> which they did and they came to the same conclusion."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[17.069805,"7626772"]},{"_index":"complaint-public-v1","_id":"4205912","_score":17.02016,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"A fraudulent charge was charged to my account XX/XX/XXXX. I called and let Chase know that I had not authorized the charge. Chase immediately closed the card and issued me a new one. At no time did Chase warn me that Chase could have given my credit card number out. At no time did Chase tell me that it planned to give my new card number to anyone. If I had known that, I would have closed the account. Chase claimed to investigate the fraud and removed the charge. \n\nI called Chase the first week of XX/XX/XXXX to close the account. I was offered a special interest rate to keep the account. I never got the special interest rate and was transferred around and was not able to cancel the card. \nI did not use the new card. No one knows the new card number but Chase as I put it away. \nThe same fraudulent charge appeared on the account in XX/XX/XXXX but Chase misrepresented the date they posted it on the XXXX statement as XX/XX/XXXX. XX/XX/XXXX of XXXX has not occurred yet. This charge was clearly a mistake. I reported the fraud again. Chase immediately responded without investigating, saying that it would accept the charge. I asked for the information about this alleged company : the physical address, working phone number that allowed speaking to a human, an account number or description of services or date the service was supposed to have begun or the address of service. Chase gave no information. \n\nChase defrauded me on the phone when I called and reported the fraud in XXXX. Chase told me at the time at the end of XXXX that it would investigate the fraud. There is no evidence that Chase ever investigated the fraud in XXXX. \n\nChase defrauded me on the phone when it said that it was sending me a new card without disclosing Chase 's intent to give my new number to anyone. \n\nChase defrauded me in XXXX when it refused to close the account, offered a lower interest rate it did not have available to offer, in an effort to keep the card open so it could continue giving my account number out to scammers. \n\nChase did not disclose the terms of having the card open in the first place. Chase never told me that it would give out my account number to anyone who asked for it to charge me money. Chase never said that it would act as a debt collection agency. Chase never said that it didn't really investigate fraud. In fact, Chase has advertised that it has a fraud department that investigates fraud. In this case, Chase never investigated the fraud.","date_sent_to_company":"2021-03-12T07:33:00.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4205912","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-03-12T01:30:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I called and let <em>Chase</em> know that I had not authorized the charge. <em>Chase</em> immediately <em>closed</em> the card and issued me a new one. At no time did <em>Chase</em> warn me that <em>Chase</em> could <em>have</em> given my credit card number out. At no time did <em>Chase</em> tell me that it planned to give my new card number to anyone. If I had known that, I would <em>have</em> <em>closed</em> the account. <em>Chase</em> claimed to <em>investigate</em> the fraud and removed the charge. \n\nI called <em>Chase</em> the first week of XX/XX/XXXX to close the account."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[17.02016,"4205912"]},{"_index":"complaint-public-v1","_id":"1432719","_score":16.788015,"_source":{"product":"Mortgage","complaint_what_happened":"CHASE has had several attorneys contact me looking for resolution to their mtg errors in response to XXXX different CFPB complaints. They have continually closed your complaints starting process with me only to stop resolution XXXX in what appears to be deliberate delay in resolving their accounting errors on my former mtg with them. XXXX I have been told CHASE needs more time to investigate and now it is over 1.5 yrs LATER! I ask how much time should it take a major corporation to have their documents in order??!!!","date_sent_to_company":"2015-06-22T16:12:09.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Other mortgage","zip_code":"02302","tags":null,"has_narrative":true,"complaint_id":"1432719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-06-22T16:12:09.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>CHASE</em> has had several attorneys contact me looking for resolution to their mtg errors in response to XXXX different CFPB complaints. They <em>have</em> continually <em>closed</em> your complaints starting process with me only to stop resolution XXXX in what <em>appears</em> to be deliberate delay in resolving their accounting errors on my former mtg with them. XXXX I <em>have</em> been told <em>CHASE</em> needs more time to <em>investigate</em> and now it is over 1.5 yrs LATER!"],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.788015,"1432719"]},{"_index":"complaint-public-v1","_id":"14782626","_score":16.71834,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XX/XX/year>, I requested that Chase close my business checking account and transfer the remaining funds to my personal Chase account. They completed the transfer correctly, but then Chase mistakenly closed my personal checking account instead of the business XXXX. I did not authorize this closure. \nI discovered the issue on XX/XX/XXXX when I logged into my Chase app and found my personal account missing. After calling Chase, I was told a check had been issued for the entire balance without any prior notification or confirmation from me. They have since refused to reinstate the account or correct the mistake unless I visit a branch in person. \nI am currently out of the country and stranded, without access to my money. I have missed multiple bill payments due to this error, and my financial situation is now in jeopardy. \nChase has admitted the account is closed but refuses to provide any documentation, explanation, or resolution unless I appear in person, which is not possible. I am requesting : A full investigation Immediate access to my funds A formal written explanation of the error Compensation for the disruption, financial damage, and distress caused","date_sent_to_company":"2025-07-21T03:58:43.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95111","tags":null,"has_narrative":true,"complaint_id":"14782626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-21T03:44:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["<em>Chase</em> has admitted the account is <em>closed</em> but refuses to provide any documentation, explanation, or resolution unless I <em>appear</em> in person, which is not possible. I am requesting : A full <em>investigation</em> Immediate access to my funds A formal written explanation of the error Compensation for the disruption, financial damage, and distress caused"],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.71834,"14782626"]},{"_index":"complaint-public-v1","_id":"11294138","_score":16.52083,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year> I lost my Chase sapphire reserve credit card. \nThe next day, I was contacted by the hotel where I had stayed, who informed me that my credit card had been found. \nDespite this, an unauthorized charge of {$2100.00} was made to my account for XXXX XXXX XXXX, a purchase I did not authorize or make. \nI promptly reported the charge to Chase Bank and initiated a fraud claim. \n\nIssue : Chase Bank has closed my fraud claim because they are requiring documentation from the hotel to confirm that my credit card was lost and later returned. However, as this incident occurred XXXX months ago, the hotel has no record or documentation of this event. This demand from Chase is both unreasonable and impossible to fulfill, given the circumstances. \n\nKey Points : XXXX. Failure to Protect the Consumer : Chase is neglecting its responsibility to protect its customers from fraud by placing an undue burden on me to produce documentation that can not reasonably be obtained. \nXXXX. Unfair Documentation Requirement : Requiring a hotel to provide proof of a lost and returned card, especially XXXX months after the incident, is not a standard procedure and reflects poor judgment on the part of Chase. \nXXXX. Lack of Adequate Investigation : Chase appears to have closed my claim without conducting a thorough investigation into the unauthorized charge, despite my clear communication of the fraudulent nature of the transaction. \nXXXX. Violation of the Fair Credit Billing Act ( XXXX ) : Under the XXXX, Chase Bank has a duty to investigate and resolve billing disputes in a fair and timely manner. By closing my fraud claim based on unreasonable documentation requirements, Chase is in violation of these obligations.","date_sent_to_company":"2024-12-27T22:08:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"85254","tags":null,"has_narrative":true,"complaint_id":"11294138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-27T21:57:56.000Z","state":"AZ","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Lack of Adequate <em>Investigation</em> : <em>Chase</em> <em>appears</em> to <em>have</em> <em>closed</em> my claim without conducting a thorough <em>investigation</em> into the unauthorized charge, despite my clear communication of the fraudulent nature of the transaction. \nXXXX. Violation of the Fair Credit Billing Act ( XXXX ) : Under the XXXX, <em>Chase</em> Bank has a duty to <em>investigate</em> and resolve billing disputes in a fair and timely manner."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.52083,"11294138"]},{"_index":"complaint-public-v1","_id":"16528456","_score":16.489021,"_source":{"product":"Checking or savings account","complaint_what_happened":"JPMorgan Chase Bank closed my business checking account ( ending in XXXX ) on XX/XX/year>, with a balance of approximately XXXX. According to the official statement Chase mailed to me, the account was closed that day and a closing check was issued, leaving a zero balance. Despite this, Chase has refused to release the closing check or return my funds. \n\nAfter I sent a written complaint to Chases executive office, a representative contacted me and requested that I explain the source of all deposits. I complied fully and provided written documentation for each transaction. Shortly afterward, I received a voicemail from Chases Executive Office stating that the banks final decision was not to release my funds, claiming it was exercising its rights under the deposit account agreement. \n\nI have carefully reviewed Chases current Deposit Account Agreement ( effective XX/XX/year> ) and found no clause that authorizes the bank to indefinitely withhold or confiscate cleared funds after account closure. The agreement only allows temporary restrictions during investigation, not permanent retention once the account is closed. \n\nThe funds in question are fully legitimate, and there have been no allegations of fraud or wrongdoing. Chases refusal to release my money appears to violate both Regulation CC ( 12 CFR 229 ), which prohibits indefinite holds on cleared deposits, and the banks own contractual obligations. \n\nI request the CFPBs assistance in compelling Chase to ; Immediately release the closing check for my {$22000.00} balance ; and Provide written proof of any legal or regulatory authority under which they claim the right to withhold my funds.","date_sent_to_company":"2025-10-12T22:51:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"12180","tags":null,"has_narrative":true,"complaint_id":"16528456","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-12T22:38:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I <em>have</em> carefully reviewed <em>Chases</em> current Deposit Account Agreement ( effective XX/XX/year> ) and found no clause that authorizes the bank to indefinitely withhold or confiscate cleared funds after account closure. The agreement only allows temporary restrictions during <em>investigation</em>, not permanent retention once the account is <em>closed</em>. \n\nThe funds in question are fully legitimate, and there <em>have</em> been no allegations of fraud or wrongdoing."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.489021,"16528456"]},{"_index":"complaint-public-v1","_id":"3881184","_score":16.38658,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Chase has charged off my account ending in XXXX and reported derogatory information to credit reporting agencies resulting in the loss of more than {$30000.00} in credit and the loss of employment. \n\nThe account was not delinquent or owing in anyway. In fact, Chase owed me nearly {$1000.00} in Rewards Points which I was prevented from receiving. \n\nThe money Chase alleges to be owed on the account was the balance remaining from charges I had timely and appropriately disputed, which Chase did not investigate and for which Chase ignored all appeals on my behalf to investigate/reinvestigate. \n\nOne portion of these disputed charges involved a company against whom I had filed a Federal complaint, the company has since been sanctioned and closed. Chase gave them my money despite my clear and timely dispute. Chase did not review my documentation or investigate my claim. \n\nA second portion of the disputed money involved a merchant with whom I had disputed several items, none of which I received. Chase inexplicably provided credit against only a portion of these items, never demonstrating that the other items were delivered. Chase didn't investigate this dispute. \n\nChase ' failure to accurately and authentically investigate multiple disputes is the sole reason my account appeared to be unpaid. I have no obligation to pay for items I never received and legally disputed. Chase ' actions are illegal in light of their failure to investigate my disputes. \n\nChase has defrauded me of nearly {$1000.00} in rewards points I earned by using their card as described. Chase has caused me considerable damages in credit worthiness and employment options. \n\nChase actions are in violation of credit card laws and they should be restricted from further business activity in the banking or credit industry.","date_sent_to_company":"2020-10-05T11:30:53.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"76208","tags":"Older American","has_narrative":true,"complaint_id":"3881184","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-10-05T11:13:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Chase</em> did not review my documentation or <em>investigate</em> my claim. \n\nA second portion of the disputed money involved a merchant with whom I had disputed several items, none of which I received. <em>Chase</em> inexplicably provided credit against only a portion of these items, never demonstrating that the other items were delivered. <em>Chase</em> didn't <em>investigate</em> this dispute. \n\n<em>Chase</em> ' failure to accurately and authentically <em>investigate</em> multiple disputes is the sole reason my account <em>appeared</em> to be unpaid."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.38658,"3881184"]},{"_index":"complaint-public-v1","_id":"20407011","_score":16.380676,"_source":{"product":"Checking or savings account","complaint_what_happened":"CORE ISSUE : Chase Bank placed funds into my open checking account ending in XXXX on XX/XX/XXXX due to an internal processing issue after a prior account was closed. I have repeatedly notified the bank that I do not claim ownership of these funds and have requested their removal. Chase continues to analyze the original transfer instead of the XX/XX/XXXX recredit and has refused to remove the funds from my account. \n\nTIMELINE OF EVENTS : XX/XX/XXXX Two incoming transfers in the amounts of {$920.00} and {$100.00} were deposited into my account ending in XXXX. I notified the bank that I did not authorize these transfers and requested that they be reversed. Chase initially removed the funds from my account pending further investigation. \nThe account ending in XXXX was later closed. \nXX/XX/XXXX Chase placed the same amounts of {$920.00} and {$100.00} back into my open checking account ending in XXXX. These funds were recredited by Chase after the bank indicated it was unable to recredit the closed account. \nXX/XX/XXXX Chase issued a letter stating that the XX/XX/XXXX transfers were authorized and that no adjustment would be made. However this letter addressed the closed account ending in XXXX and did not address the XX/XX/XXXX recredit into account ending in XXXX. \nXX/XX/XXXX and subsequent communications I clarified multiple times in writing that my dispute concerns the XX/XX/XXXX recredit into account ending in XXXX. Despite this clarification, Chase has continued to respond with template messages stating that the claim is closed or that the issue must be resolved with the sender. \n\nCURRENT ISSUE : The funds in the amounts of {$920.00} and {$100.00} that were credited on XX/XX/XXXX remain in my checking account ending in XXXX. Chase has repeatedly failed to address this recredit despite multiple written clarifications identifying the correct transaction. \nDespite multiple written notices explaining that the dispute concerns the XX/XX/XXXX recredit into my open account ending in XXXX, Chase has repeatedly responded by analyzing the XX/XX/XXXX transfers into the closed account ending in XXXX. As a result, the bank has not investigated the actual transaction currently in dispute. \nChase most recently advised that this issue must be resolved with the sender or the senders bank. However the sender did not deposit funds into my current account. The funds were placed into my account by Chase after the original account had been closed. \n\nCONSUMER HARM : The continued presence of these funds in my account interferes with my ability to accurately manage my account balance and creates a risk of inadvertently using funds that do not belong to me. Despite repeated good faith efforts to have the issue corrected, Chase has continued to respond with template claim closure messages rather than addressing the transaction in dispute. \n\nRESOLUTION REQUESTED : Remove the XX/XX/XXXX credits of {$920.00} and {$100.00} from my checking account ending in XXXX and confirm that I bear no responsibility for these funds. \nChase appears to have investigated the original XX/XX/XXXX transfers instead of the XX/XX/XXXX recredit that is the subject of this complaint. \n\nIf needed I can provide supporting documentation for this claim.","date_sent_to_company":"2026-03-19T12:57:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30044","tags":null,"has_narrative":true,"complaint_id":"20407011","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-03-19T12:38:47.000Z","state":"GA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["<em>Chase</em> <em>appears</em> to <em>have</em> <em>investigated</em> the original XX/XX/XXXX transfers instead of the XX/XX/XXXX recredit that is the subject of this complaint. \n\nIf needed I can provide supporting documentation for this claim."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.380676,"20407011"]},{"_index":"complaint-public-v1","_id":"3050815","_score":16.363712,"_source":{"product":"Checking or savings account","complaint_what_happened":"CHASE BANK HAS ENGAGED IN A PATTERN OF CONDUCT THAT IS HARMFUL TO ITS CUSTOMERS AND AMERICAN CONSUMERS. CHASE IS ENGAGED IN AN ILLEGAL SYSTEMATIC SCHEME IN PREMATURELY CLOSING CERTAIN CONSUMER ACCOUNTS. I AM A VICTIM AS WELL AS A WITNESS OF CHASE BANK BEHAVIOR. \n\nCHASE HAS AUTOMATICALLY CLOSED ACCOUNTS ( DUE TO FRAUDULENT ACTIVITY OR UNAUTHORIZED ACTIVITY ) WITHOUT THE INVESTIGATION AS REQUIRED BY LAW. THEY THEN REPORT THIS NEGATIVE INFORMATION TO A CRA XXXX XXXX XXXX XXXX WHICH THEY OWN IN PART. \n\nCHASE DID NOT NOTIFY CONSUMERS OF THE CLOSURE AND DO NOT PROVIDE ANSWERS TO CONSUMERS QUESTION AND ONLY PROVIDE THE PERFUNCTORY STATEMENT THAT IT WAS AN INTERNAL AND/OR A BUSINESS DECISION, THEY ALSO DO NOT PERFORM THE INVESTIGATION THUS SAVING MONEY AND VIOLATING CONSUMER PROTECTION LAW. \n\nCHASE HAS FAILED TO PROPERLY REVIEW OR PROCESS FRAUDULENT ACTIVITY OR FRAUDULENT CLAIMS BEFORE THEY CLOSE THE ACCOUNT. \n\nCHASE HAS FABRICATED INFORMATION SUCH AS FILING FRAUDULENT SARS REPORTS SO THE PRETEXT WOULD APPEAR MORE PLAUSIBLE. \n\nCHASE BANK IS ALSO VIOLATING THE SECURITIES EXCHANGE COMMISSIONS GUIDELINES AND CHASE BANK CHARTER. \n\nCHASE BANK HAS ENGAGED IN SELF ENRICHMENT. CHASE BANK HAS VIOLATED CALIFORNIA BANKING LAW. CHASE BANK HAS VIOLATED CONSUMER PROTECTION LAWS AND IS ENGAGED IN CAUSING HARM TO CONSUMERS. \n\nTHIS BEHAVIOR IS RECENT AND ALSO DEMONSTRATED BY XXXX XXXX XXXX. CFPB AND OTHER REGULATORY AGENCIES ARE INVESTIGATING THE XXXX BEHAVIOR. I ENCOURAGE CFPB TO DO THE SAME WITH CHASE. I HAVE ATTACHED THE RECENT PRESS RELEASE FROM CFPB REGARDING THE XXXX INVESTIGATION. \n\nIF ONE BANK IS DOING THIS TO CONSUMERS THEN ALL BANKS ARE ENGAGED IN THIS BEHAVIOR OF HARM TOWARDS CONSUMERS.","date_sent_to_company":"2018-10-19T12:10:33.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"90046","tags":null,"has_narrative":true,"complaint_id":"3050815","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-10-19T12:03:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["CFPB AND OTHER REGULATORY AGENCIES ARE <em>INVESTIGATING</em> THE XXXX BEHAVIOR. I ENCOURAGE CFPB TO DO THE SAME WITH <em>CHASE</em>. I <em>HAVE</em> ATTACHED THE RECENT PRESS RELEASE FROM CFPB REGARDING THE XXXX <em>INVESTIGATION</em>. \n\nIF ONE BANK IS DOING THIS TO CONSUMERS THEN ALL BANKS ARE ENGAGED IN THIS BEHAVIOR OF HARM TOWARDS CONSUMERS."],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_issue":["Company <em>closed</em> your account"]},"sort":[16.363712,"3050815"]},{"_index":"complaint-public-v1","_id":"20046431","_score":16.333216,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year> my husband was the victim of a scam involving criminals impersonating the fraud department of JPMorgan Chase Bank.\n\nThe caller told him there were two fraudulent XXXX transactions of {$1000.00} each on the account and that he needed to submit what they called a report transaction request through XXXX in order to retrieve or reverse the funds. The caller ID on his phone appeared to show a Chase phone number, which made the call appear legitimate. \n\nBelieving he was speaking with Chase and that he was reversing fraudulent transactions, he followed the instructions provided by the caller. You can see in the attached XXXX  receipt that he typed in \" cancel payments '' in the memo, believing he was reversing a fraudulent charge. The instructions actually caused him to send {$2000.00} through XXXX to the scammers. \n\nDuring the call he wrote down details of the conversation, including the names and phone numbers the callers provided. I have attached a copy of his notes from the call. After the transaction was completed, the callers abruptly hung up, which caused him to realize this may have been a scam. He immediately contacted Chase to report the fraud and request assistance.\n\nHe spoke with a Chase representative, XXXX, and was given case number XXXX. At that time we were told that we would receive a credit for the amount while the matter was investigated. We also received an email stating that.The transaction was later classified by Chase as impersonation fraud.\n\nHowever, the claim was apparently closed and reimbursement denied without notification to us. This claim does not even show up as an opened claim through the link Chase sent us. ( screenshot of this attached ) When my husband later called Chase to check the status, he was told the case had been closed and that the bank would not reopen the investigation. We were told Chase contacted XXXX and that because the transaction was processed through the XXXX network they would not take further action. We have since contacted XXXX and they have now opened up a case number for us, while stating they have no record of hearing from Chase. Perhaps if this was done correctly XXXX would have been able to stop payment in real time.\n\nBecause this transaction resulted from criminals impersonating Chases fraud department and misrepresenting the purpose of the transfer, we believe this situation warrants additional review.\n\nAdditionally, my husband has a chronic medical condition that affects cognitive processing, and the scammers used deception, urgency, and pressure while impersonating the bank to exploit this vulnerability.\n\nWe are requesting that Chase reopen the investigation and reconsider reimbursement for the {$2000.00} transferred as a result of this impersonation scam.","date_sent_to_company":"2026-03-06T19:30:33.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"494XX","tags":null,"has_narrative":true,"complaint_id":"20046431","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-03-06T19:11:16.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We also received an email stating that.The transaction was later classified by <em>Chase</em> as impersonation fraud.\n\nHowever, the claim was apparently <em>closed</em> and reimbursement denied without notification to us. This claim does not even show up as an opened claim through the link <em>Chase</em> sent us. ( screenshot of this attached ) When my husband later called <em>Chase</em> to check the status, he was told the case had been <em>closed</em> and that the bank would not reopen the <em>investigation</em>."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.333216,"20046431"]},{"_index":"complaint-public-v1","_id":"18432717","_score":16.332123,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint because my prior dispute with Chase was closed ( XXXX ) without a fair or independent review, and Chase failed to protect me as a consumer when I initially requested help while cognitively impaired.\n\nAt the time of the original charge, I contacted Chase and disclosed that I had a brain injury with cognitive impairment and asked for assistance to have the charge refunded. Chase did not take appropriate action or provide reasonable assistance at that time.\n\nLater, a Chase representative issued a refund, which posted to my account. Approximately 30 days later, Chase reversed the credit, removing the refunded funds from my account. This reversal occurred without new evidence, without additional investigation, and without justification. This action caused financial harm.\n\nChase now claims that a merchant processor statute of limitations prevents recovery. That position is unacceptable because the statute issue would not have existed had Chase fulfilled its duty to assist me when I first contacted them and requested help while cognitively impaired. The failure to act initially is entirely Chases responsibility. \n\nThis matter was previously submitted to the Consumer Financial Protection Bureau, but the complaint appears to have been closed solely based on Chases response, without any determination of fairness, consumer protection, or consideration of my XXXX. I did not receive a final determination or explanation from the CFPB. \n\nI am requesting : Clarification on whether a company response alone is sufficient to close a complaint without independent review. \n\nSupervisory review of Chases handling of this dispute, including the improper reversal of a posted refund. \n\nReview of Chases failure to provide reasonable assistance when I disclosed a brain injury and requested help.\n\nA determination as to whether Chases actions violated consumer protection standards.\n\nChase should not be permitted to reverse a validly issued refund weeks later and then avoid accountability by citing a statute of limitations that arose only because of its own failure to act. This file should not have been closed without proper review.","date_sent_to_company":"2026-01-02T22:54:47.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30066","tags":null,"has_narrative":true,"complaint_id":"18432717","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-01-02T22:40:52.000Z","state":"GA","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":["This file should not <em>have</em> been <em>closed</em> without proper review."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.332123,"18432717"]},{"_index":"complaint-public-v1","_id":"13745404","_score":16.315567,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a new Chase checking account in-branch on XXXX XXXXXX/XX/XXXX ( Account Number : XXXX ) under my full legal name XXXX XXXX XXXX .\n\nTwo days later, I was notified that the account had been restricted. When I called Chase 's fraud department, I was told the account was closed following a review by the New Account Review Team. The stated reason was that another Chase checking account in my name had been previously closed by Chase in XXXX. \n\nI went back to the branch to investigate, and it was discovered that there are two separate profiles under my Social Security number in Chases internal system : One profile contains only my first and last name and is associated with fraudulent checking and credit card accounts opened without my knowledge in XXXX. \n\nThe second profile is the legitimate one I opened myself on XX/XX/XXXX, using my full legal name XXXX XXXX XXXX. \n\nI had previously reported the fraudulent accounts under the first profile as identity theft, and XXXX acknowledged the fraud and resolved the matter. I have attached Chases acknowledgment letters confirming that those accounts were determined to be opened fraudulently and were closed as part of the ID theft case. \n\nDespite this, it appears that the old, fraudulent profile is still impacting my ability to bank with XXXX. My legitimate, newly opened account has been closed simply because of that historical issueeven though it was fully resolved and identified as fraud. \n\nAttachments : XXXX identity theft resolution acknowledgment letters","date_sent_to_company":"2025-05-28T22:13:55.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"55406","tags":"Servicemember","has_narrative":true,"complaint_id":"13745404","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-05-28T21:43:28.000Z","state":"MN","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I <em>have</em> attached <em>Chases</em> acknowledgment letters confirming that those accounts were determined to be opened fraudulently and were <em>closed</em> as part of the ID theft case. \n\nDespite this, it <em>appears</em> that the old, fraudulent profile is still impacting my ability to bank with XXXX. My legitimate, newly opened account has been <em>closed</em> simply because of that historical issueeven though it was fully resolved and identified as fraud. \n\nAttachments : XXXX identity theft resolution acknowledgment letters"],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.315567,"13745404"]},{"_index":"complaint-public-v1","_id":"20024697","_score":16.299223,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Around 2022, a XXXX-related issue tied to my former Chase account appears to have resulted in a restriction that still prevents me from using XXXX with any bank. I contacted Chases fraud department and was told they can not review the matter because records older than two years are not available to them. I previously contacted XXXX and was told the matter had to be handled by the bank that submitted it. I am requesting a formal manual review by Chase through the appropriate escalation or executive response channel to determine whether Chase placed or maintains a XXXX-related restriction tied to my access, phone number, email, or profile, and to provide a written explanation and correction if the restriction was based on error, incomplete information, or an unresolved misunderstanding. I was told the investigation was closed, but I never received the funds and I was never contacted for my side of the story.","date_sent_to_company":"2026-03-06T02:40:58.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"75181","tags":null,"has_narrative":true,"complaint_id":"20024697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-03-06T02:34:48.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I was told the <em>investigation</em> was <em>closed</em>, but I never received the funds and I was never contacted for my side of the story."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.299223,"20024697"]},{"_index":"complaint-public-v1","_id":"17872130","_score":16.143326,"_source":{"product":"Credit card","complaint_what_happened":"I reported unauthorized transactions on my Chase credit card, but XXXX refused to treat the dispute as fraud, misclassified my fraud report, and repeatedly failed to investigate properly under the Fair Credit Billing Act ( XXXX XXXX XXXX \n\nMy initial fraud report in XXXX was rejected because a representative assumed my child might have used my card, even though I had no evidence and only a few charges had appeared at that time. Once I gathered extensive evidence, I reported the fraud a XXXX  time, but Chase again denied the claim and did not conduct a proper investigation. \n\nChase never asked for my documentation, never provided written acknowledgment, never provided investigation results, never gave timestamps, and continued billing me for fraudulent transactions even though my account balance was XXXX  before the unauthorized charges began.\n\nI also told Chase repeatedly that I refuse to make payments for fraudulent charges, yet Chase contacted me only to request payment and did not escalate or address the underlying fraud. \n\nAdditionally, immediately after I submitted a formal demand letter asking Chase to reopen my fraud case, Chase abruptly closed my account. This closure appears retaliatory and occurred while my dispute remains unresolved. This action violates protections under the Fair Credit Billing Act, which require creditors to suspend adverse actions and collection efforts until a billing dispute is resolved. \n\nDuring the time of the fraud, my XXXX son was hospitalized XXXX  ( XX/XX/XXXX and XX/XX/XXXX ), and I was also hospitalized shortly afterward. I was under extreme medical XXXX  and unable to monitor my accounts normally.","date_sent_to_company":"2025-12-09T14:18:07.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"465XX","tags":null,"has_narrative":true,"complaint_id":"17872130","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-12-09T13:53:22.000Z","state":"IN","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 reported unauthorized transactions on my <em>Chase</em> credit card, but XXXX refused to treat the dispute as fraud, misclassified my fraud report, and repeatedly failed to <em>investigate</em> properly under the Fair Credit Billing Act ( XXXX XXXX XXXX \n\nMy initial fraud report in XXXX was rejected because a representative assumed my child might <em>have</em> used my card, even though I had no evidence and only a few charges had <em>appeared</em> at that time."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.143326,"17872130"]},{"_index":"complaint-public-v1","_id":"14338693","_score":16.142214,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XXXX, I reported fraudulent activity on my Chase checking account after I lost my debit card. Someone attempted to deposit fraudulent checks, and I called Chase immediately after noticing suspicious activity. The account was closed and a new one was opened. \n\nOver a year later, on XX/XX/XXXX, I received a letter from Chase claiming I owe {$6700.00} from that closed account. I never deposited or authorized any check or transaction near that amount. Ive never overdrawn my account to any level close to that. This appears to be entirely related to the fraud I already reported. \n\nI spent over XXXX minutes on the phone with Chase, was transferred multiple times, and eventually disconnected with no resolution. I have since attempted to reach out again through their XXXX XXXX system, requesting documentation and a full investigation. \n\nI am now being held responsible for a balance tied to a known fraud incident that Chase was notified of over a year ago, which is unacceptable. I am asking CFPB to help me : Remove the {$6700.00} fraudulent balance Provide copies of the disputed transactions Ensure this does not impact my credit or XXXX profile","date_sent_to_company":"2025-06-27T14:30:51.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"07087","tags":null,"has_narrative":true,"complaint_id":"14338693","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-06-27T14:25:43.000Z","state":"NJ","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["This <em>appears</em> to be entirely related to the fraud I already reported. \n\nI spent over XXXX minutes on the phone with <em>Chase</em>, was transferred multiple times, and eventually disconnected with no resolution. I <em>have</em> since attempted to reach out again through their XXXX XXXX system, requesting documentation and a full <em>investigation</em>. \n\nI am now being held responsible for a balance tied to a known fraud incident that <em>Chase</em> was notified of over a year ago, which is unacceptable."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.142214,"14338693"]},{"_index":"complaint-public-v1","_id":"17122760","_score":16.134382,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint concerns false and contradictory statements made by JPMorgan Chase Bank in their response to my previous CFPB case number XXXX. I am filing this as a new complaint because Chase materially misrepresented facts to the CFPB and continues to unlawfully withhold my closing funds. \n\nChase closed my business checking account ( ending XXXX ) on XX/XX/year>, with a balance of approximately {$22000.00}. The official Chase account statement shows a XXXX XXXX Check Charge, confirming that a closing check was issued and the account brought to XXXX. This means the funds were processed as payable to me, not subject to any ongoing investigation. \n\nAfter I provided a detailed written explanation of all deposits at Chases request, I received a voicemail from the Chase Executive Office on XX/XX/year>. In that message, a representative named XXXX XXXX stated : I am calling from the Executive Office regarding the letter that you sent us. I do want to advise that regarding this matter, the bank will not be releasing any funds again. We are sorry for the outcome, and this is our final decision. We are exercising our rights under the terms of our deposit agreement. This message explicitly referenced my letter of explanation and confirmed Chase had completed its review and made a final decision. No request for additional information or documentation followed. \n\nHowever, in Chases written response to the CFPB, the bank stated : We closed your account on XX/XX/year>, and placed {$22000.00} in suspense. We are still conducting our research and do not have a time frame on when this will be resolved. These statements contradict both Chases own voicemail and its XX/XX/year>XXXX  account statement. A bank can not both close an account and continue to investigate or suspend funds afterward. Once closed, Chase no longer has contractual authority under Section IX ( C ) of its Deposit Account Agreement to hold funds. That clause only applies to active accounts under restriction, not closed ones. \n\nChases contradictory responses and shifting explanations indicate bad faith and potential misrepresentation in a federal regulatory proceeding. The suspense claim appears to be an internal accounting device, not a lawful reason to retain funds indefinitely. The voicemail and account statement prove that the banks investigation had already concluded months before it told the CFPB otherwise. \n\nI am requesting that the CFPB open a new review into this matter and require Chase to ( 1 ) explain the legal authority it claims to hold funds after account closure, ( 2 ) provide documentation of any ongoing investigation or internal suspense record, and ( 3 ) immediately release my {$22000.00} closing balance or provide lawful written justification for refusal. These inconsistencies and misrepresentations warrant independent review and regulatory scrutiny.\n\nAttached are copies of my Chase account statement showing closure and the closing check charge, the transcript of the Executive Office voicemail confirming their final decision, Chases written response to the CFPB claiming the matter is still under review, and relevant sections of Chases Deposit Account Agreement.","date_sent_to_company":"2025-11-10T01:46:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"12180","tags":null,"has_narrative":true,"complaint_id":"17122760","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-10T01:32:42.000Z","state":"NY","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["These statements contradict both <em>Chases</em> own voicemail and its XX/XX/year>XXXX  account statement. A bank can not both close an account and continue to <em>investigate</em> or suspend funds afterward. Once <em>closed</em>, <em>Chase</em> no longer has contractual authority under Section IX ( C ) of its Deposit Account Agreement to hold funds. That clause only applies to active accounts under restriction, not <em>closed</em> ones."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.134382,"17122760"]},{"_index":"complaint-public-v1","_id":"11264342","_score":16.034218,"_source":{"product":"Credit card","complaint_what_happened":"I am following up on complaint XXXX, which was marked as closed, but Chase has not fulfilled their obligations as outlined in their response. After my initial complaint, Chase acknowledged my ADA accommodation request to cease phone communications but failed to fully accommodate my need for written correspondence. Additionally, they have not responded to my secure messages requesting detailed repayment options and appear to be delaying action to pass time and potentially sell the account to collections instead of providing viable solutions. \n\nTheir lack of response has wasted valuable time and further demonstrates non-compliance with their obligations to resolve this issue. I request that this complaint be reopened for further investigation and resolution.","date_sent_to_company":"2024-12-24T22:45:45.000Z","issue":"Struggling to pay your bill","sub_product":"General-purpose credit card or charge card","zip_code":"91604","tags":null,"has_narrative":true,"complaint_id":"11264342","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-24T22:37:40.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company won't work with you while you're going through financial hardship"},"highlight":{"complaint_what_happened":["I am following up on complaint XXXX, which was marked as <em>closed</em>, but <em>Chase</em> has not fulfilled their obligations as outlined in their response. After my initial complaint, <em>Chase</em> acknowledged my ADA accommodation request to cease phone communications but failed to fully accommodate my need for written correspondence."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.034218,"11264342"]},{"_index":"complaint-public-v1","_id":"8818975","_score":15.995202,"_source":{"product":"Credit card","complaint_what_happened":"Chase is actively engaging in unfair consumer practices. \n\nIn XXXX of XXXX, XXXX charges appeared on our Chase credit card. We had not received services from the company for many years, so it was clear right away that the charges were unauthorized. \n\nA web search showed that this company, XXXX, had numerous complaints from consumers with the XXXX XXXX XXXX for unauthorized charges like ours. \nWe promptly contacted the Chase Fraud Department to open a case. \n\nOver the next 8 months, we worked directly with Chase 's Fraud Department as they investigated, following their directions to the letter, and periodically checking that Chase was taking the necessary steps to resolve the issue. \n\nTwice, they issued erroneous rulings in XXXX 's favorlisting vague, one-line reasons that were demonstrably false and unacceptable. We'd be forced to call Chase to request more information and point out the erroneous info, and we were assured the case would be re-opened and investigated further. \n\nThe last of the erroneous rulings that charges were \" valid '' was XX/XX/XXXX. We called Chase, pointed out the blatantly incorrect info ( reasons such as \" You indicated the charge was valid, '' which we obviously never did ) and were assured that the case would be reopened. \n\nIn XXXX and XXXX of XXXX, we began receiving notices from Chase that our account was overdue, urging us to pay. Payment is normally suspended while fraud investigation is underway. \n\nOn XX/XX/XXXX, we contacted Chase to urge them to resolve this, and to gain their reassurance that Chase was not erroneously reporting our account as delinquent to credit agencies. \n\nOver a protracted, XXXXhour conversation with Chase, during which Chase transferred us to XXXX different departments ( each time requiring us to explain the complex situation from the beginning to an entirely new representative ), Chase informed us that they COULD have helped us if only we had contacted their Disputes Department ( not the Fraud Department , Customer Service , or any other of the department we'd spoken to over 8 months ) within their time window. However, since that window had passed.. .there was nothing they could do. The charges would stay. The charges have ballooned to {$420.00} with fees. \n\nAs of XX/XX/XXXX : XXXX itself verified that our account had been closed and no money is owed to them. \n\nThe Supervisor in Chase 's Disputes Department advised us that the window for disputes has closed, and that she can not/will not assist us. We requested an exception, citing that we had promptly followed Chase 's instructions to the letter at every step, and that it was Chase 's own Fraud Departmentnot we the consumerwho is at fault for the extended timing. She asserts that often the Disputes Department makes rulings that are disappointing to consumers, and that she will not make an exception. She shrugged it offand disconnected our call mid-discussion. \n\nThe Chase Collections Department, who we spoke with to ensure that our credit history would not be falsely impacted while Chase conducted its investigation, said they can not stop their system from reporting our payments as \" late. '' They urged us to make paymentof charges for which we've received no benefit or productto avoid that.\n\nTo be clear, the Chase Fraud Department at no time provided directions to instead contact The Disputes Department ( there a XXXX different types, apparently ), nor any other department, either in their correspondence or during any of the phone conversations. Their instructions were that they would reopen the case and that we should await an update. \n\nIn summary : Chase instructs consumers to wait while they perform their fraud investigation, thereby actively running out the clock for meaningful assistance from other departments. Further, they use the threat of poor impact to a consumer 's credit score to gain payment despite charges being fraudulent, unauthorized and under investigation.\n\nThe beneficiary of this consumer run-around appears to be Chase itself.\n\nIn order to protect our credit score, {$420.00} must be paid to Chase for services and products that we have never authorized, ordered, or received. \nSince XXXX appears to have resolved the issue and states no money is owed them ... to whom will this {$420.00} go? \n\nThis is completely unacceptable, and consumers need to be warned of Chase 's unethical practices. \n\nAdditional details can be provided on request. The case has been condensed here for clarity.","date_sent_to_company":"2024-04-20T17:34:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"18901","tags":null,"has_narrative":true,"complaint_id":"8818975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-04-20T15:43:18.000Z","state":"PA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The charges <em>have</em> ballooned to {$420.00} with fees. \n\nAs of XX/XX/XXXX : XXXX itself verified that our account had been <em>closed</em> and no money is owed to them. \n\nThe Supervisor in <em>Chase</em> 's Disputes Department advised us that the window for disputes has <em>closed</em>, and that she can not/will not assist us."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.995202,"8818975"]},{"_index":"complaint-public-v1","_id":"21973563","_score":15.959036,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting a follow-up complaint regarding CFPB complaint number XXXX involving Chase Banks continued withholding of my funds. \n\nChase previously responded that they permanently closed my personal account and stated they will not be releasing approximately {$13000.00} that belongs to me. As of today, approximately 15 months have passed since the account restriction and Chase still has not provided a clear legal basis, court order, judgment, or completion date for any investigation that would justify permanently withholding my funds. \n\nChase cited its Deposit Account Agreement and stated it may hold funds pending investigation, but it has never explained : * what specific issue is being investigated, * whether any investigation is still active, * whether any law enforcement agency is involved, * whether the funds were seized pursuant to legal process, * or what legal authority permits permanent retention of my money without resolution.\n\nThe bank released a portion of my balance but continues to withhold approximately {$13000.00} indefinitely. \n\nI have repeatedly attempted to obtain answers directly from Chase and have not received meaningful information or a resolution. The continued withholding of my funds for more than a year without transparency or final determination appears unreasonable and unfair. \n\nI request that Chase : 1. Immediately release the remaining funds being withheld ; OR 2. Provide the complete legal and factual basis supporting continued retention of my money, including any legal process, investigation status, or authority permitting Chase to permanently retain customer funds.\n\nI also request regulatory review into whether Chases actions comply with applicable consumer banking laws and regulations.","date_sent_to_company":"2026-05-07T14:32:26.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"91765","tags":null,"has_narrative":true,"complaint_id":"21973563","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-05-07T14:20:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I <em>have</em> repeatedly attempted to obtain answers directly from <em>Chase</em> and <em>have</em> not received meaningful information or a resolution. The continued withholding of my funds for more than a year without transparency or final determination <em>appears</em> unreasonable and unfair. \n\nI request that <em>Chase</em> : 1. Immediately release the remaining funds being withheld ; OR 2."],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_issue":["Funds not received from <em>closed</em> account"]},"sort":[15.959036,"21973563"]},{"_index":"complaint-public-v1","_id":"4863846","_score":15.946495,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2021, I placed an order for a used XXXX XXXX on Amazon.com. A 3rd party seller called \" XXXX XXXX XXXX '' sold me the XXXX for {$420.00} on Amazon.com. On XX/XX/2021, the charge appeared on my Chase credit statement. I received the XXXX in the mail. I played the console for about 2 weeks, and then it refused to power on. I tried different power outlets and held down the power button. The XXXX would not power on. \n\nI went on Amazon.com and requested a replacement. Amazon.com shows that a replacement order was shipped and was scheduled to arrive by XX/XX/2021. The XXXX never arrived. I contacted XXXX and they reached out to \" XXXX XXXX XXXX ''. \" XXXX XXXX XXXX '' confirmed that they received the XXXX I sent back. The seller refused to send me a replacement XXXX or issue a refund to my Chase credit account. I contacted Chase Bank to file a claim for a refund. Chase Bank issued me a refund of {$420.00} while they investigated my claim. Then, Chase Bank denied the claim and reversed the {$420.00} refund. I closed the Chase credit account. Now, I don't have a XXXX and {$420.00} is charged to my ( closed ) Chase credit account, the charge will accumulate interest, and the charge will negatively affect my credit score.","date_sent_to_company":"2021-11-01T15:36:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"39157","tags":null,"has_narrative":true,"complaint_id":"4863846","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-11-01T14:53:15.000Z","state":"MS","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Now, I don't <em>have</em> a XXXX and {$420.00} is charged to my ( <em>closed</em> ) <em>Chase</em> credit account, the charge will accumulate interest, and the charge will negatively affect my credit score."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.946495,"4863846"]},{"_index":"complaint-public-v1","_id":"18670092","_score":15.920691,"_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> improperly fragmented this incident into multiple claims, repeatedly <em>closed</em> claims without issuing provisional credit, reopened them, and then <em>closed</em> them againsometimes within less than XXXX hourswhile asserting that a thorough <em>investigation</em> had occurred. \n\nAs of today, approximately XXXX days <em>have</em> passed since my original notice of error."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.920691,"18670092"]},{"_index":"complaint-public-v1","_id":"15089428","_score":15.891285,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX Chase Bank XXXX XXXX XXXX XXXX and Unauthorized Accounts I am submitting this complaint regarding Chase XXXX  failure to properly investigate and resolve multiple fraud-related issues on my account. \n\nUnauthorized credit card accounts were opened under the names XXXX XXXX and XXXX, none of which I authorized or applied for. Additionally, Chase has wrongfully denied multiple claims I submitted regarding unauthorized charges, including a specific transaction at XXXX for over {$100.00}, which I did not make or approve. \n\nDespite notifying Chase and requesting a proper investigation, the bank closed my claims without returning the unauthorized funds and without providing any meaningful explanation or supporting evidence for their determinations. It appears no thorough investigation was conducted. \n\nI do not have the specific claim numbers on hand at this time, but I am able to retrieve them promptly if needed. \n\nThank you for your time and attention to this matter. \n\nXXXX XXXX I am able to provide attached dates and claim numbers when my work day is complete. If there is a way to request later or add to this request later.","date_sent_to_company":"2025-08-05T22:43:14.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"92117","tags":null,"has_narrative":true,"complaint_id":"15089428","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-05T22:29:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Can't stop withdrawals from your account"},"highlight":{"complaint_what_happened":["Additionally, <em>Chase</em> has wrongfully denied multiple claims I submitted regarding unauthorized charges, including a specific transaction at XXXX for over {$100.00}, which I did not make or approve. \n\nDespite notifying <em>Chase</em> and requesting a proper <em>investigation</em>, the bank <em>closed</em> my claims without returning the unauthorized funds and without providing any meaningful explanation or supporting evidence for their determinations. It <em>appears</em> no thorough <em>investigation</em> was conducted."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.891285,"15089428"]},{"_index":"complaint-public-v1","_id":"16672924","_score":15.856932,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint : I am filing this complaint because Chase wrongfully denied my Regulation E claim for two unauthorized debit card transactions and failed to issue the required provisional credit. Chase also gave me misleading and inconsistent information, closed my claim twice without a reasonable investigation, and violated 12 CFR 1005.11 multiple times. \n\nUnauthorized Transactions : XX/XX/year> {$320.00} ( XXXX XXXX ) XX/XX/year> {$320.00} ( XXXX XXXX ) Total disputed : {$650.00} I did not authorize these transactions. I have never used the XXXX XXXX app. My debit card was lost without my knowledge. I discovered the fraud on XX/XX/year> and reported it to Chase immediately. \n\n\n\nFIRST CLAIM ( Early XXXX ) : I filed a claim in early XXXX. Chase closed and denied it within ~48 hours without contacting me or XXXX XXXX XXXX \n\nChases only reason for denial was that I accidentally selected XX/XX/XXXX as the lost card date in the app. I told them this was a mistake I meant XX/XX/XXXX. A simple date input error is not a valid legal reason to deny a Regulation E claim. \n\n\n\nSECOND CLAIM ( XX/XX/XXXX ) : On XX/XX/XXXX at XXXX XXXX, I reopened the dispute and corrected the date to XX/XX/XXXX. \nThe first representative hung up on me when I tried to explain. \n\nI called back and spoke with a supervisor, who said the claim was being escalated to a higher team. She did not request any additional information from me. Chase never contacted me again. \n\nChases own app stated I would receive a provisional credit within 4 days ( by XX/XX/XXXX ). Regulation E also requires provisional credit within 10 business days. Chase provided no credit at all. \n\n\n\nMISLEADING / CONFLICTING INFORMATION : On XX/XX/XXXX, the app showed the claim as Closed. \nI called Chase the same day. The representative told me the claim was NOT closed and was escalated. \nThis was false. \nOn XX/XX/XXXX, a denial letter dated XX/XX/XXXX suddenly appeared in the app. \nThis proves Chase closed and denied the claim behind my back while telling me it was escalated. \n\n\n\nNO REASONABLE INVESTIGATION ( Regulation E violation ) : Chase : Never contacted XXXX XXXX Never contacted me Never requested documentation Closed both claims in ~48 hours Denied solely based on an input mistake Gave me false information about the status Failed to issue provisional credit within 4 days ( their policy ) or 10 business days ( Reg E law ) This is a clear violation of 12 CFR 1005.11 ( c ) and ( d ).\n\nChase denied my claim twice without a reasonable investigation, misled me about the status of the second claim, failed to issue provisional credit, and violated Regulation E. I am asking for CFPB assistance to enforce my rights and require Chase to issue the {$650.00} refund.","date_sent_to_company":"2025-10-18T11:11:50.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"25801","tags":null,"has_narrative":true,"complaint_id":"16672924","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-18T11:04:29.000Z","state":"WV","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, a denial letter dated XX/XX/XXXX suddenly <em>appeared</em> in the app. \nThis proves <em>Chase</em> <em>closed</em> and denied the claim behind my back while telling me it was escalated."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.856932,"16672924"]},{"_index":"complaint-public-v1","_id":"7376525","_score":15.8130455,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have a joint checking account at JPMORGAN Chase Bank, It is XXXX. \nI work as a Mortgage Loan Originator with XXXX XXXX, XXXX, NY, a Mortgage Broker Firm. \nA mortgage loan was closed on XX/XX/2023. \nMy share of the broker commission is {$14000.00}. A check of {$14000.00} was drawn by XXXX XXXX on XXXX Bank payable to me XXXX. This check was deposited on XX/XX/2023 into my Chase account XXXX. The chase XXXX XXXX. is XXXX. \nChase Bank did not give the initial credit of {$220.00}. On the other hand, Chase Placed a Hold on the check, with a hold release date of XXXX XXXX. \nI contacted the Hold Department of Chse three times. But I failed to get the lifting of the Hold and Release of the funds. \nThis appears to be violation of the Expedited Funds Availability ( Regulation \" CC '' ) by Chase Bank. \nI am contacting CFPB for investigation and redress. Thank you. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2023","date_sent_to_company":"2023-08-09T17:57:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11432","tags":"Older American","has_narrative":true,"complaint_id":"7376525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-08-09T17:29:33.000Z","state":"NY","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I <em>have</em> a joint checking account at JPMORGAN <em>Chase</em> Bank, It is XXXX. \nI work as a Mortgage Loan Originator with XXXX XXXX, XXXX, NY, a Mortgage Broker Firm. \nA mortgage loan was <em>closed</em> on XX/XX/2023. \nMy share of the broker commission is {$14000.00}. A check of {$14000.00} was drawn by XXXX XXXX on XXXX Bank payable to me XXXX. This check was deposited on XX/XX/2023 into my <em>Chase</em> account XXXX. The <em>chase</em> XXXX XXXX. is XXXX. \n<em>Chase</em> Bank did not give the initial credit of {$220.00}."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.8130455,"7376525"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":298,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":298}]}},"product":{"doc_count":298,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":127,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":115},{"key":"Savings account","doc_count":10},{"key":"Other banking product or service","doc_count":2}]}},{"key":"Credit card","doc_count":58,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":57}]}},{"key":"Credit card or prepaid card","doc_count":37,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":35},{"key":"General-purpose prepaid card","doc_count":1},{"key":"Government benefit card","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":34,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":17},{"key":"Mobile or digital wallet","doc_count":9},{"key":"International money transfer","doc_count":5},{"key":"Virtual currency","doc_count":2},{"key":"Money order, traveler's check or cashier's check","doc_count":1}]}},{"key":"Debt collection","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":7},{"key":"Mortgage debt","doc_count":2},{"key":"Credit card","doc_count":1},{"key":"I do not know","doc_count":1},{"key":"Other debt","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":10},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Mortgage","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":2},{"key":"Other type of mortgage","doc_count":2},{"key":"Conventional fixed mortgage","doc_count":1},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1},{"key":"Other mortgage","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5},{"key":"Credit repair services","doc_count":1}]}},{"key":"Bank account or service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2}]}},{"key":"Debt or credit management","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Student loan debt relief","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Gift card","doc_count":1}]}}]}},"issue":{"doc_count":298,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":70,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":24},{"key":"Problem using a debit or ATM card","doc_count":22},{"key":"Banking errors","doc_count":9},{"key":"Funds not handled or disbursed as instructed","doc_count":7},{"key":"Problem making or receiving payments","doc_count":4},{"key":"Problem accessing account","doc_count":3},{"key":"Cashing a check","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":58,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":40},{"key":"Card was charged for something you did not purchase with the card","doc_count":18}]}},{"key":"Problem with a lender or other company charging your account","doc_count":27,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":24},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":2},{"key":"Can't stop withdrawals from your account","doc_count":1}]}},{"key":"Fraud or scam","doc_count":22,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing an account","doc_count":19,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":10},{"key":"Funds not received from closed account","doc_count":8},{"key":"Fees charged for closing account","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":7},{"key":"Account information incorrect","doc_count":5},{"key":"Account status incorrect","doc_count":2}]}},{"key":"Closing your account","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":11}]}},{"key":"Opening an account","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":4},{"key":"Didn't receive terms that were advertised","doc_count":2},{"key":"Account opened as a result of fraud","doc_count":1},{"key":"Account opened without my consent or knowledge","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":4},{"key":"Problem with rewards from credit card","doc_count":3},{"key":"Problem with balance transfer","doc_count":1}]}},{"key":"Other transaction problem","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Attempts to collect debt not owed","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was result of identity theft","doc_count":3},{"key":"Debt is not yours","doc_count":2}]}},{"key":"Getting a credit card","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":3},{"key":"Card opened as result of identity theft or fraud","doc_count":1},{"key":"Sent card you never applied for","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1},{"key":"Problem with personal statement of dispute","doc_count":1},{"key":"Their investigation did not fix an error on your report","doc_count":1},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":2},{"key":"Non-sufficient funds and associated fees","doc_count":1}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third-party about your debt","doc_count":2},{"key":"Contacted your employer","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan sold or transferred to another company","doc_count":1},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":1}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising about the credit card","doc_count":1},{"key":"Didn't receive advertised or promotional terms","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fees or costs after closing","doc_count":1}]}},{"key":"Improper use of your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit inquiries on your report that you don't recognize","doc_count":2}]}},{"key":"Took or threatened to take negative or legal action","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued you without properly notifying you of lawsuit","doc_count":2}]}},{"key":"Account opening, closing, or management","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged fees or interest you didn't expect","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Confusing or missing disclosures","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Loan modification,collection,foreclosure","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan servicing, payments, escrow account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem getting a card or closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble closing card","doc_count":1}]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You never received your bill or did not know a payment was due","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your bill","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't work with you while you're going through financial hardship","doc_count":1}]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using the card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble using the card to spend money in a store or online","doc_count":1}]}},{"key":"Unauthorized withdrawals or charges","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Using a debit or ATM card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":298,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":297},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":298,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":228},{"key":"Closed with monetary relief","doc_count":47},{"key":"Closed with non-monetary relief","doc_count":23}]}},"submitted_via":{"doc_count":298,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":298}]}},"company":{"doc_count":298,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"JPMORGAN CHASE & CO.","doc_count":261},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":5},{"key":"Block, Inc.","doc_count":3},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":3},{"key":"WELLS FARGO & COMPANY","doc_count":3},{"key":"AMERICAN EXPRESS COMPANY","doc_count":2},{"key":"CITIBANK, N.A.","doc_count":2},{"key":"EQUIFAX, INC.","doc_count":2},{"key":"Paypal Holdings, Inc","doc_count":2},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":1},{"key":"Incomm Holdings Inc.","doc_count":1},{"key":"KEYCORP","doc_count":1},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"Nelnet, Inc.","doc_count":1},{"key":"Netspend Corporation","doc_count":1},{"key":"Rosebud Economic Development Corporation","doc_count":1},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":1},{"key":"STERLING BANCORP","doc_count":1},{"key":"TRANSWORLD SYSTEMS INC","doc_count":1},{"key":"The CBE Group, Inc.","doc_count":1},{"key":"U.S. BANCORP","doc_count":1}]}},"state":{"doc_count":298,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":65},{"key":"NY","doc_count":36},{"key":"TX","doc_count":34},{"key":"FL","doc_count":31},{"key":"GA","doc_count":16},{"key":"IL","doc_count":13},{"key":"VA","doc_count":8},{"key":"AZ","doc_count":7},{"key":"NC","doc_count":7},{"key":"WA","doc_count":7},{"key":"CO","doc_count":6},{"key":"NJ","doc_count":6},{"key":"OH","doc_count":6},{"key":"PA","doc_count":5},{"key":"MD","doc_count":4},{"key":"MI","doc_count":4},{"key":"WI","doc_count":4},{"key":"IN","doc_count":3},{"key":"MA","doc_count":3},{"key":"MN","doc_count":3},{"key":"OR","doc_count":3},{"key":"SC","doc_count":3},{"key":"AK","doc_count":2},{"key":"AL","doc_count":2},{"key":"RI","doc_count":2},{"key":"TN","doc_count":2},{"key":"CT","doc_count":1},{"key":"HI","doc_count":1},{"key":"IA","doc_count":1},{"key":"KS","doc_count":1},{"key":"KY","doc_count":1},{"key":"LA","doc_count":1},{"key":"MO","doc_count":1},{"key":"MS","doc_count":1},{"key":"NV","doc_count":1},{"key":"OK","doc_count":1},{"key":"UT","doc_count":1},{"key":"WV","doc_count":1},{"key":"WY","doc_count":1}]}},"company_public_response":{"doc_count":298,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":17}]}},"tags":{"doc_count":298,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":33},{"key":"Servicemember","doc_count":20},{"key":"Older American, Servicemember","doc_count":3}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[15.810266,"7376525"],"3":[14.992988,"21443820"],"4":[14.463853,"5819312"],"5":[13.816016,"6426126"],"6":[13.39114,"3034760"],"7":[12.906563,"7367291"],"8":[12.318302,"7106159"]}}}