{"took":65,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":136,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10900474","_score":30.572159,"_source":{"product":"Mortgage","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JPMorgan Chase and XXXX XXXX XXXX for their handling of my mortgage assistance application and subsequent predatory practices. \nMy husband and I were owners of a business that was severely impacted by the pandemic. While we faced financial struggles as a result, we were not financially irresponsible. We submitted an application for mortgage assistance and forbearance to JPMorgan Chase, both via email and by personally delivering it to the bank. Despite this, JPMorgan Chase failed to review, process, or even acknowledge the application. This neglect is particularly concerning given that the bank was aware we were considering filing for bankruptcy due to our circumstances. \nInstead of fulfilling their legal obligation to review and respond to our application, JPMorgan Chase sold our mortgage to XXXX XXXX XXXX, a company with predatory practices. This sale appears to have been conducted in bad faith, allowing JPMorgan Chase to profit while avoiding their responsibilities under the law. \nXXXX XXXX XXXX, in turn, charged us daily interest on the loan for the duration of the forbearance period without proper disclosure. We were not notified of these interest charges until after we sold our home. This lack of transparency and the financial burden it created exacerbated the challenges we were already facing, forcing us further into financial distress. \nBoth JPMorgan Chase and XXXX XXXX XXXX failed to meet their legal and ethical obligations : Failure to Process Application : JPMorgan Chase was obligated to review and either approve or deny our application for forbearance. Their neglect to do so constitutes a breach of their responsibilities. \nLack of Disclosure by XXXX XXXX XXXX : XXXX XXXX XXXX failed to notify us of daily interest charges during the forbearance period, a violation of transparency requirements and consumer protection standards. \nPredatory Practices : The deliberate sale of our mortgage to XXXX XXXX XXXX appears to have been a calculated effort by JPMorgan Chase to profit at our expense, transferring us to a lender known for exploitative practices. \nThe hardship of navigating bankruptcy, compounded by these actions, has caused significant financial and emotional distress. Both institutions leveraged legal loopholes to exploit our situation, underscoring the urgent need for stronger consumer protections for individuals in financial crisis. \nI am requesting that the Consumer Financial Protection Bureau investigate this matter and hold both JPMorgan Chase and XXXX XXXX XXXX accountable for their actions. Specifically, I urge the Bureau to : Determine whether JPMorgan Chase violated its obligations in failing to process our application. \nInvestigate XXXX XXXX XXXX for its lack of transparency and predatory interest-charging practices. \nEnforce penalties and require restitution for the financial harm caused by these actions. \nAdditionally, both lenders now refuse to close my accounts after our home has sold and the loan ( s ) paid off. Chase still says they hold the loan even though XXXX is the loan servicer. \nThank you for your attention to this serious matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-11-22T16:41:33.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"442XX","tags":null,"has_narrative":true,"complaint_id":"10900474","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-11-22T16:30:44.000Z","state":"OH","company_public_response":null,"sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["Dear Consumer <em>Financial</em> Protection Bureau, I am writing to file a formal complaint against <em>JPMorgan</em> <em>Chase</em> and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> for their handling of my mortgage assistance application and subsequent predatory <em>practices</em>. \nMy husband and I were owners of a business that was severely impacted by the pandemic. While we faced <em>financial</em> struggles as a result, we were not financially irresponsible."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[30.572159,"10900474"]},{"_index":"complaint-public-v1","_id":"12061757","_score":26.323103,"_source":{"product":"Checking or savings account","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against JPMorgan Chase Bank , N.A . \n\nComplainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Defendant : JPMorgan Chase Bank , N.A . \nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Incident : XX/XX/year> I. INTRODUCTION I am filing this formal complaint against JPMorgan Chase Bank , N.A . due to serious violations of consumer protection laws that occurred at their XXXX XXXX XXXX  in XXXXXXXX XXXX, on XX/XX/year>. The bank engaged in unfair, deceptive, and discriminatory conduct, violating federal banking laws and consumer rights. \nThis incident involved : Wrongful detention by bank employees who refused to return my Virginia state-issued drivers license after I legally withdrew funds. \nUnfair and deceptive banking practices when the teller falsely claimed an approval issue after my withdrawal was processed. \nDiscriminatory treatment, where I was subjected to excessive scrutiny due to my XXXX XXXX descent and the amount of my withdrawal. \nViolation of financial privacy laws, as Chase employees discussed my financial transaction in front of other customers. \nEmotional distress and reputational harm caused by Chase Banks misconduct. \nII. VIOLATIONS COMMITTED BY CHASE BANK The following federal regulations and consumer protection laws were violated : Unfair, Deceptive, or Abusive Acts ( UDAAP ) 12 U.S.C. 5531 Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 ( Discriminatory banking practices ) Truth in Savings Act 12 U.S.C. 4301 ( Failure to provide accurate financial disclosures ) Privacy Act Violations 15 U.S.C. 6801 ( Public disclosure of my financial details ) Negligence & Breach of Duty of Care ( Failure to train employees and prevent consumer harm ) III. REQUESTED ACTION FROM CFPB I respectfully request that the CFPB : 1. Conduct a formal investigation into Chase Banks handling of this incident to determine whether their practices violate consumer protection laws. \n2. Require Chase Bank to submit an official response, outlining corrective actions and internal investigations into employee misconduct.\n\n3. Impose regulatory penalties to prevent future unlawful banking practices.\n\n4. Ensure compliance oversight to guarantee that Chase Bank adheres to consumer protection laws moving forward. \nIV. CONCLUSION This incident raises serious concerns about Chase Banks treatment of customers, discriminatory banking practices, and regulatory compliance failures. I urge the CFPB to take immediate action. \n\n\nDated : XX/XX/year> Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX","date_sent_to_company":"2025-02-20T21:40:20.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"22079","tags":null,"has_narrative":true,"complaint_id":"12061757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-02-13T15:47:27.000Z","state":"VA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Consumer <em>Financial</em> Protection Bureau ( CFPB ) <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> XXXXXXXX Subject : Formal Complaint Against <em>JPMorgan</em> <em>Chase</em> Bank , N.A . \n\nComplainant : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> Defendant : <em>JPMorgan</em> <em>Chase</em> Bank , N.A . \n<em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX Date of Incident : XX/XX/year> I."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[26.323103,"12061757"]},{"_index":"complaint-public-v1","_id":"2174219","_score":26.140549,"_source":{"product":"Mortgage","complaint_what_happened":"JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC continue to abuse consumers in the mortgage market by practicing unfair, abusive, or deceptive lending and servicing practices. JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC failed to provide disclosures as required in XXXX XXXX XXXX a ) and the disbursement of money to the consumer XXXX copies of check or money wire transfer receipt for funds disbursed ) at closing. \n\nCFPB Laws and Regulations TILA \" In XX/XX/XXXX, Regulation Z was amended to protect consumers in the mortgage market from unfair, abusive, or deceptive lending and servicing practices. Specifically, the change applied protections to a newly defined category of \" higher-priced mortgage loans '' that includes virtually all closed-end subprime loans secured by a consumer 's principal dwelling. The revisions also applied new protections to mortgage loans secured by a dwelling regardless of loan price and required the delivery of early disclosures for more types of transactions. The revisions also banned several advertising practices deemed deceptive or misleading. '' Refinancing - Section XXXX ( a ) Refinancing - Section XXXX XXXX a ) - \" When an obligation is satisfied and replaced by a new obligation to the original financial institution ( or a holder or servicer of the original obligation ) and is undertaken by the same consumer, it must be treated as a refinancing for which a complete set of new disclosures must be furnished. A refinancing XXXX involve the consolidation of several existing obligations, disbursement of new money to the consumers, or the rescheduling of payments under an existing obligation. In any form, the new obligation must completely replace the earlier XXXX to be considered a refinancing under the regulation. The finance charge on the new disclosure must include any unearned portion of the old finance charge that is not credited to the existing obligation. '' ( XXXX ( a ) ). \n\nPer the XXXX, JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC violated the regulations set forth in XXXX XXXX XXXX a ) of this Act in respect to the refinancing of the subject property. The consumer that resides at the subject property was never provided a complete set of disclosure documents by the XXXX, the consumer was not a recipient of the documentation that evidenced the disbursement of funds related to the refinance and the consumer was not present at the closing of refinance. The revisions of XXXX XXXX have banned unfair, abusive and deceptive lending and servicing practices ; however, furthering its predatory lending and servicing practices, JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC Filed a Complaint for the Foreclosure of Mortgage and has now rescheduled the foreclosure sale of the subject property for XX/XX/XXXX. \n\nJPMorgan Chase Bank , N.A . and Chase Home Finance , LLC 's predatory lending and servicing practices should be investigated by the FBI Mortgage Fraud Unit and the Bank and its affiliate should face significant civil penalties.","date_sent_to_company":"2016-10-25T21:22:11.000Z","issue":"Application, originator, mortgage broker","sub_product":"Other mortgage","zip_code":"60030","tags":null,"has_narrative":true,"complaint_id":"2174219","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-10-22T21:52:38.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>JPMorgan</em> <em>Chase</em> Bank , N.A . and <em>Chase</em> Home Finance , LLC 's predatory lending and servicing <em>practices</em> should be <em>investigated</em> by the FBI Mortgage Fraud Unit and the Bank and its affiliate should face significant civil penalties."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[26.140549,"2174219"]},{"_index":"complaint-public-v1","_id":"5770865","_score":25.9995,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XX/XX/XXXX Dear CFPB representative, Re : JPMorgan Chase Banks repeated Error and Violations regarding Error Resolution in accordance with Regulation E when notice of error is given. \n\n\nI would like to ask CFPB for assistance in addressing JPMorgan Chase Banks violations of REGULATION E and FEDERAL CONSUMER PROTECTION LAWS. \n\nJPMorgan Chase Bank and XXXX violated REGULATION E and also acted in unfair, unlawful, bad faith, and unethical business practices. \n\nPlease assist in enforcing that JPMorgan Chase Bank as my financial institution provide proper Errors Resolution and follow procedures outlined under REGULATION E.\n\nI am requesting CFPB for assistance because JPMorgan Chase Bank failed to provide me with errors resolution in accordance with Regulation E on 4 separate notices given to them, and JPMorgan Chase Bank has refused to discuss or explore this matter further. \n\nI was fraudulently induced by one individual in 4 EFT transfers with errors on XX/XX/XXXX. These fraudulently induced 4 EFT errors occurred using XXXX through Chase Mobile Banking. These fraudulently induced 4 EFT errors transfers involved 3 JPMorgan Chase bank accounts covered by EFTA regulations and Regulation E. Total sum amount of {$8500.00} for these 4 EFT errors. \n\nI notified JPMorgan Chase bank by calling JPMorgan Chase banks EFT errors reporting phone number regarding these 4 EFT errors induced by fraud and spoke to representative XXXX on XX/XX/XXXX, spoke to representative XXXX on XX/XX/XXXX, and spoke to supervisor representative XXXX on XX/XX/XXXX. \n\nI also notified JPMorgan Chase Bank by sending written notice for these 4 EFT Errors induced by fraud to JPMorgan Chase banks EFT errors mailing address and by fax on XX/XX/XXXX. JPMorgan Chase Bank have been non responsiveness and have not even acknowledged or addressed my written notice of errors sent on XX/XX/XXXX. To date, I have not received any response back to my written notice of these errors. \n\nI notified JPMorgan Chase bank of these 4 EFT errors in a timely manner, and notified them within 30 days of these EFT errors transaction date. This is within the 60 days as required under Regulation E. However, JPMorgan Chase bank violated Regulation E and failed to provide errors resolution accordingly. \n\nThere are AT LEAST 10 IDENTIFIED VIOLATIONS of REGULATION E, and 15 USC CHAPTER 41, SUBCHAPTER VI by JPMorgan Chase Bank.\n\nThe details relating to the ERROR and VIOLATIONS by JPMorgan Chase Bank regarding these 4 EFT errors transfers are outlined below.\n\nNotice of error being given to JPMorgan Chase Bank : ERROR OF NOT PROVIDING REQUESTED DOCUMENTATION AND ADDITIONAL INFORMATION WITH THESE ERRORS DETERMINATION.\n\nThis is a qualifying error under Regulation E and 15U.S.C. 1693f ( f ) Acts constituting error, ( 6 ) a consumer 's request for additional information or clarification concerning an electronic fund transfer or any documentation required by this subchapter. \n\nReference : 15U.S.C. 1693f. ( f ) https : //uscode.house.gov/view.xhtml? path=/prelim @ title15/chapter41/subchapter6 & edition=prelim Brief summary of these 4 incidents and issue with giving notice of errors to JPMorgan Chase Bank : 1.On 3 separate calls on XX/XX/XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX, I gave notice of errors regarding these 4 EFT errors induced by fraud. JPMorgan Chase Bank denied to conduct reasonable investigation of these errors because these errors are XXXX transactions. JPMorgan Chase Bank representatives refused to reasonably investigate these 4 EFT errors even after being contacted multiple times.\n\n2.Letters of resolution sent to me on XX/XX/XXXX and XX/XX/XXXX regarding these errors were fraudulently stated and incorrect. JPMorgan Chase Bank refused to correct and provide errors resolution letter in accordance with federal laws and Regulation E. 3.JPMorgan Chase Bank repeatedly violated Regulation E and refused to provide correct errors resolutions required under Regulation E.\n\n4.JPMorgan Chase Bank also failed to include statement of consumer right to request documentation in all letters of resolution sent to me on XX/XX/XXXX and XX/XX/XXXX. \nJPMorgan Chase Bank also failed to provide documentation and results as requested. I requested multiple times for documentation and explanation, and never received them. Error under Regulation E. These 3 calls and my request for documentation were not to ask for duplicate copies of documentation that has already been provided. JPMorgan Chase Bank simply refused to provide an explanation with information for the determination of these errors that is factual and in accordance with federal laws and Regulation E.\n\n5.I even sent a written notice of errors for these 4 EFT errors transfers with detailed information on the alleged error and violations, all 3 account information, transaction record of these errors, as well as other supporting documents to JPMorgan Chase Bank on XX/XX/XXXX. It was sent with written notice of errors for my qualifying small business account, both mine and my husbands personal accounts that are covered by EFTA regulations and Regulation E. ( Note : correction to original written notice I sent to JPMorgan Chase Bank on XX/XX/XXXX. Upon reading EFTA definition of qualifying accounts, my small business account is also covered by EFT regulations. Therefore, all 3 accounts are covered by Regulation E. ) HOWEVER, to this date JPMorgan Chase Bank never responded to my written notice of these errors sent on XX/XX/XXXX. \n\n\nVIOLATION 1. First notice of errors for these 4 EFT errors due to fraud inducement were given to JPMorgan Chase Bank orally by phone on XX/XX/XXXX. JPMorgan Chase Bank did not perform or provide reasonable investigation with determination and results for these errors reported. JPMorgan Chase Bank sent these letters of resolution to me on XX/XX/XXXX, the same day I gave my notice for these 4 EFT errors. This is a violation of Regulation E and 15U.S.C.1693f ; 12 C.F.R. 1005.11.\n\nJPMorgan Chase Bank needed to have conducted reasonable investigation with review of all relevant records and documents prior to determination of the alleged error. JPMorgan Chase Bank failed to provide errors resolution in accordance to XXXX XXXX ( Please see attached letters of resolution from JPMorgan Chase on XX/XX/XXXX and XX/XX/XXXX and my written notice to errors sent to JPMorgan Chase Bank on XX/XX/XXXX for more details. ) JPMorgan Chase Bank violated investigation procedures and requirements for error resolutions. \n\nAccording to 15 USC Chapter 41, Subchapter VI, these violations include : Violation of 15 USC Chapter 41, Subchapter VI ; 1693f ( e ) Treble Damages.\n\nViolation entitles consumer to treble damages determined under 1693m ( a ) ( 1 ) 1 of this title.\n\nReference : 15 USC CHAPTER 41, SUBCHAPTER VI ; https : //uscode.house.gov/view.xhtml? path=/prelim @ title15/chapter41/subchapter6 & edition=prelim VIOLATION 2. Letters of Resolution from JPMorgan Chase Bank included erroneous, and fraudulent statements as explanations for these errors investigation . Letters of errors resolution from JPMorgan Chase Bank on XX/XX/XXXX and XX/XX/XXXX included these statements below. \n\nThese letters of explanation from JPMorgan Chase Bank for these 4 EFT errors investigation stated : As we discussed and agreed, no action will be taken. \nThis inquiry is now resolved. \n\nI did not discuss and agree, no action will be taken. I specifically asked for an investigation for these errors. These statements provided as reasons determining these errors give the impression that I withdrew from errors reporting, which I have not. These statements are entirely fraudulent and deceptive. \nThese letters and statements of explanation is in violation under REGULATION E and 15U.S.C.1693f ; 12 C.F.R. 1005.11.\n\nThis violation is also explained in more detail and can be found under section 2.3.3 Violation of error results notice requirements from CFPB - SUPERVISORY HIGHLIGHTS, ISSUE 22 - SUMMER XXXX. \n\nAccording to CFPB 2.3.3 Violation of error results notice : To give purpose to both obligations, the meaning of an explanation is not synonymous with that of a determination. Financial institutions must go beyond just providing the findings to actually explain or give the reasons for or cause of those findings. \n\nReference : CFPB - SUPERVISORY HIGHLIGHTS, ISSUE 22 - SUMMER XXXX https : //files.consumerfinance.gov/f/documents/cfpb_supervisory-highlights_issue-22_2020-09.pdf Reference : 1005.11 Procedures for resolving errors. https : //www.consumerfinance.gov/rules-policy/regulations/1005/11/ # a VIOLATION 3. All letters of resolution for errors investigation on XX/XX/XXXX and XX/XX/XXXX from JPMorgan Chase Bank also failed to include the statement of consumer right to request documentation in these letters.\n\nThis is a violation of REGULATION E and 15 USC CHAPTER 41, SUBCHAPTER VI ; 1693f. Error resolution section ( d ) Absence of error ; finding ; explanation.\n\nReference : 15 USC CHAPTER 41, SUBCHAPTER VI ; https : //uscode.house.gov/view.xhtml? path=/prelim @ title15/chapter41/subchapter6 & edition=prelim Reference : 1005.11 Procedures for resolving errors. https : //www.consumerfinance.gov/rules-policy/regulations/1005/11/ # a VIOLATION 4. JPMorgan Chase simply refused to provide documentation I requested. All 3 representatives from the 3 phone calls all stated that they dont do that and that is not JPMorgan Chase Banks policy or procedure. JPMorgan Chase Bank representatives stated that this letter of resolution sent on XX/XX/XXXX and XX/XX/XXXX is the only letter they provide to all consumers regarding XXXX EFT errors.\n\nReference : 15 USC CHAPTER 41, SUBCHAPTER VI ; https : //uscode.house.gov/view.xhtml? path=/prelim @ title15/chapter41/subchapter6 & edition=prelim Reference : 1005.11 Procedures for resolving errors. https : //www.consumerfinance.gov/rules-policy/regulations/1005/11/ # a VIOLATION 5. After 3 phone calls giving notice of errors with no resolution in accordance to EFT regulations and Regulation E. I mailed and faxed written notice of these errors to JPMorgan Chase Banks EFT errors department on XX/XX/XXXX. To this date, I have not heard back with any response of any kind from JPMorgan Chase Bank. ( Please see attached for delivery confirmation of faxed and mailed written notice. ) JPMorgan Chase needed to have responded to this written notice of errors sent on XX/XX/XXXX within 10 business days. If they needed more time for these errors investigation, JPMorgan Chase still was required to provide conditional credit for these errors within 10 business days. If investigation includes a different error, JPMorgan Chase Bank needed to provide information on these different errors and where to report them. If investigation includes errors, JPMorgan Chase needed to have provided correction for these 4 EFT errors within 1 business day and credit my accounts for the total sum of {$8500.00} for these 4 EFT errors.\n\nJPMorgan Chases failure to acknowledge and conduct investigation for these errors and not providing documentation when requested is an ERROR in itself under Regulation E, and EFTA. 15U.S.C.1693f ; 12 C.F.R. 1005.11.\n\nReference : 15 USC CHAPTER 41, SUBCHAPTER VI ; https : //uscode.house.gov/view.xhtml? path=/prelim @ title15/chapter41/subchapter6 & edition=prelim Reference : 1005.11 Procedures for resolving errors. https : //www.consumerfinance.gov/rules-policy/regulations/1005/11/ # a Reference : 2019-BCFP-0001 Document 1 Filed 01/03/2019 https : //files.consumerfinance.gov/f/documents/bcfp_usaa-federal-savings-bank_consent-order.pdf JPMorgan Chase Banks other violations : VIOLATION 6 . JPMorgan Chase Bank violated 15U.S.C.1693g. ( b ) burden of proof. Which requires the financial institution to provide proof showing error or no error exist regarding consumers alleged error when notice of error is given.\n\nVIOLATION 7. JPMorgan Chase Bank also violated the time limit of 10 business days to provide response and resolution to consumer regarding notice of errors in accordance to Regulation E and 15U.S.C.1693. JPMorgan Chase Banks failure to respond in its entirety of written notice given to them on XX/XX/XXXX exceeds time limit required by Regulation E. This failure from JPMorgan Chase Bank requires them to correct these errors for the total amount within 1 business day by crediting my 3 accounts for the total sum of {$8500.00} for these errors. 15U.S.C.1693m. ( a ) ( 1 ).\n\nVIOLATION 8. JPMorgan Chase Bank violated Regulation E when they refused to investigate these errors initiated by fraudulently induced consumer. Regardless of Consumer Negligence, JPMorgan Chase Bank is required to provide reasonable investigation and can not deny conducting errors investigation.\n\nVIOLATION 9. JPMorgan Chase Bank violated Regulation E and 15U.S.C.1693 error resolutions by refusing and denying investigation because of JPMorgan Chase Banks disclosure of waiver of consumer rights as a reason.\n\nVIOLATION 10. JPMorgan Chase Bank violated Regulation E and 15U.S.C.1693 by failing to reassert these errors when I notified them of a new error, an error resulting from JPMorgan Chase Banks letter of resolution sent to me. JPMorgan Chase Bank violated regulations by failing to provide correction of these errors with crediting my accounts for the total sum of {$8500.00} within 1 business day as required under Regulation E and 15U.S.C.1693m. ( a ) ( 1 ).\n\nI am requesting CFPB for assistance with enforcing JPMorgan Chase Bank provide correction for error made by JPMorgan Chase Bank in accordance to Regulation E and 15U.S.C.1693m. ( a ) ( 1 ). Given all these violations and JPMorgan Chase Banks ERROR OF NOT PROVIDING REQUESTED DOCUMENTATION, I am entitled to get the total sum of these errors credited back to my 3 accounts from JPMorgan Chase Bank within 1 business day.\n\nI have attached the following documents : 1.Letters of resolution containing qualifying ERROR caused by JPMorgan Chase Bank on XX/XX/XXXX and XX/XX/XXXX. \n2.My letter of explanation for these 4 EFT errors in my written notice of ERROR sent to JPMorgan Chase Bank on XX/XX/XXXX. \n3.My account information for all 3 accounts and Transaction date information and amounts for these 4 EFT errors .\n\n4.Fax confirmation and mail confirmation of written notice of errors sent to JPMorgan Chase Bank on XX/XX/XXXX. \n\nI also have a record of the call on XX/XX/XXXX with JPMorgan Chase supervisor representative XXXX, who refused to start errors investigation that is reasonable for these 4 EFT errors and denied documentation request. JPMorgan Chase Banks Supervisor, Representative XXXX also stated that they will not provide error resolution letter that contains any other explanation. This is the letter sent to all consumers calling about these errors with XXXX. That this is JPMorgan Chase Banks policy and nothing can or will be done to assist me with these errors investigation.","date_sent_to_company":"2022-07-14T18:08:48.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"11361","tags":null,"has_narrative":true,"complaint_id":"5770865","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-07-14T17:26:33.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>JPMorgan</em> <em>Chase</em> Bank failed to provide errors resolution in accordance to <em>XXXX</em> <em>XXXX</em> ( Please see attached letters of resolution from <em>JPMorgan</em> <em>Chase</em> on XX/XX/<em>XXXX</em> and XX/XX/<em>XXXX</em> and my written notice to errors sent to <em>JPMorgan</em> <em>Chase</em> Bank on XX/XX/<em>XXXX</em> for more details. ) <em>JPMorgan</em> <em>Chase</em> Bank violated <em>investigation</em> procedures and requirements for error resolutions."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[25.9995,"5770865"]},{"_index":"complaint-public-v1","_id":"8048549","_score":25.972523,"_source":{"product":"Credit card","complaint_what_happened":"Formal Complaint Regarding Disparate Impact and Negative Consequences by JPMorgan Chase Bank, N.A ( CHASE ) Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against JPMorgan Chase Bank, N.A ( CHASE ) regarding what I believe to be disparate impact and disparate treatment in their recent decision to significantly reduce my credit limit from {$2000.00} to {$500.00}. When I initially obtained the credit card in XXXX, my approved starting credit limit was $ XXXX have been a responsible and loyal customer of JPMorgan Chase Bank , N.A ( CHASE ) for the past six years, consistently making on-time payments and maintaining a positive relationship. Since that time, my income and credit have improved substantially, reflecting my commitment to responsible financial management. \n\nHowever, I recently experienced a sudden and substantial reduction in my credit limit, which occurred immediately after I paid off my credit card balance on XX/XX/XXXX. On XX/XX/XXXX, I received a We reviewed your account and adjusted the credit line letter. This has raised serious concerns about the fairness and transparency of JPMorgan Chase Bank, N.A ( CHASE ) 's credit evaluation process and policies. The timing of this decision is particularly perplexing, as the credit limit decrease occurred immediately after I cleared my outstanding balance on XX/XX/XXXX. Subsequently, I noticed the reduction in my credit limit on XX/XX/XXXX. This abrupt change has created financial instability and has a direct impact on my credit utilization ratio which keeps me and consumers with my profile type blocked in a specific credit score profile. \n\nDespite seeking clarification through multiple calls to JPMorgan Chase Bank, N.A ( CHASE ), I received conflicting information from their representatives. The initial assurance that my credit limit would be restored, on XXXX XXXX at XXXX CST, was later contradicted on XX/XX/XXXX, XXXX CST, and I was directed to request a credit limit increase through the risk assessment department. During this process, JPMorgan Chase Bank, N.A ( CHASE ) requested a hard credit pull for reconsideration of my credit limit. I expressed my concern about the impact of a hard inquiry on my credit score and refused the hard pull, instead requesting a soft pull for reconsideration. The representative then stated that my request needed to be reviewed ; 2 days later I received a letter stating they couldnt access my credit report and Id need to call customer service. \n\nOn XX/XX/XXXX, at XXXX CST, I contacted JPMorgan Chase Bank , N.A ( CHASE ) customer service and was told to contact CHASE risk management department. The risk management representative asked several questions, but XXXXne question stood out as potentially discriminatory : \" Where did I get the money to make a large payment? '' I found this question inappropriate and irrelevant to the request for a credit limit increase. Especially since I provided the representative with my action plan to pay off my credit cards as well as my annual income. \n\nUnfortunately, my request for a credit limit increase was denied, on XX/XX/XXXX, leaving me with unanswered questions and financial distress due to the negative impact of this credit limit reduction. I am deeply troubled by the lack of clarity surrounding the reasons for this credit limit reduction. The explanation provided, citing the \" balance to credit limit on other credit cards, '' does not seem to justify such a drastic and disproportionate action. This situation raises concerns of disparate impact, as the decision appears to have an adverse effect on my financial standing compared to others. \n\nAs a responsible and long-standing customer, I believe I deserve fair treatment and a clear understanding of the factors contributing to the recent actions taken against my account. How did my payment initiated an account review that assignment my account to the risk department. How does a loyal JPMorgan Chase Bank, N.A ( CHASE ) customer become a financial risk after paying off their account? \n\nThe substantial reduction in credit limit negatively affects your credit utilization ratio, potentially leading to a lower credit score. A lower credit score may result in higher interest rates for future credit, impacting your ability to secure favorable terms on loans or credit cards. Additionally, a sudden decrease in available credit could disrupt your financial planning and increase financial stress. I am requesting JPMorgan Chase Bank, N.A ( CHASE ) to provide me with a copy of my internal coding information on my account such as demographic information, race, ethnicity, consumer risk analysis etc.\n\nJPMorgan Chase Bank, N.A ( CHASE ) account review procedure adversely affects a specific demographic ( e.g., individuals with a certain credit score or financial profile ), which is considered a disparate impact. Furthermore, the inconsistent information provided by JPMorgan Chase Bank, N.A ( CHASE ) representatives, coupled with the denial of my credit limit increase request, suggests potential disparate treatment. \n\nI kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into my case, examining the potential disparate impact and disparate treatment by JPMorgan Chase Bank, N.A ( CHASE ) towards me and consumers with similar profiles. I am also requesting the Consumer Financial Protection Bureau request and require resolutions to include victim compensation and change in JPMorgan Chase Bank, N.A ( CHASE ) practices that are causing disparate impact and disparate treatment to consumers. \n\nI appreciate your attention to this matter and look forward to a prompt resolution. \n\nSincerely, XXXX XXXX, XXXX XXXX XXXX","date_sent_to_company":"2023-12-22T18:55:24.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"8048549","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-12-22T18:42:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["I am also requesting the Consumer <em>Financial</em> Protection Bureau request and require resolutions to include victim compensation and change in <em>JPMorgan</em> <em>Chase</em> Bank, N.A ( <em>CHASE</em> ) <em>practices</em> that are causing disparate impact and disparate treatment to consumers. \n\nI appreciate your attention to this matter and look forward to a prompt resolution. \n\nSincerely, <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[25.972523,"8048549"]},{"_index":"complaint-public-v1","_id":"12405691","_score":25.894814,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against JPMorgan Chase Bank , N.A . for failing to properly process financial instruments, wrongfully debiting my account, and mishandling IRS-related payments. These failures have resulted in financial harm, an IRS lien on my assets, and unnecessary tax penalties. \n\nAs part of my original agreement with JPMorgan Chase, the bank is obligated to settle my financial obligations using the security interest recorded as a liability on its books. Instead of honoring this agreement, Chase : Failed to apply the security interest that serves as private equity on their books to pay my IRS obligations. Ignored its internal settlement process and instead withdrew funds from my personal account. Refused to process my financial instruments correctly, leading to financial harm. \n\nJPMorgan Chase withdrew {$6200.00} from my account but failed to apply it properly as a payment. Instead of honoring my financial instruments as required, Chase wrongfully debited my personal account when it should have applied the security interest recorded as a liability on its books. Chase also failed to transmit payments correctly to the IRS, leading to incorrect balances and tax penalties. There were 2 other attempts to pull from my personal account for {$100000.00} and {$100000.00} but there were not enough funds in the account. \nSupporting Evidence ( Attached ) : * IRS Account Transcripts showing misapplied payments and unauthorized debits * Copies of negotiable instruments issued to JPMorgan Chase * Bank statement showing wrongful debit of {$6200.00} By failing to do so, Chase has breached its fiduciary obligations, engaged in unfair banking practices, and caused financial harm. \n\nI issued 3 negotiable instruments ( negative checks ) to settle my IRS obligations, which should have been processed under UCC Articles 3 & 4 and internal banking settlement rules. However Chase refused to process the instruments properly, violating banking laws. This failure led to IRS penalties and an unwarranted tax lien on my property. Chase provided no lawful justification for its refusal to process my financial instruments correctly.\n\nI filed a complaint with the OCC ( Case # XXXX ), but they dismissed my case without a proper investigation. I submitted a FOIA request to obtain Chases communications with the OCC, as I believe these records will show regulatory failures or misconduct. Despite multiple attempts to resolve this issue, Chase has refused to correct its errors.","date_sent_to_company":"2025-03-10T23:47:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"84045","tags":null,"has_narrative":true,"complaint_id":"12405691","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-03-10T21:12:53.000Z","state":"UT","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["However <em>Chase</em> refused to process the instruments properly, violating banking laws. This failure led to IRS penalties and an unwarranted tax lien on my property. <em>Chase</em> provided no lawful justification for its refusal to process my <em>financial</em> instruments correctly.\n\nI filed a complaint with the OCC ( Case # <em>XXXX</em> ), but they dismissed my case without a proper <em>investigation</em>."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[25.894814,"12405691"]},{"_index":"complaint-public-v1","_id":"16093554","_score":25.686897,"_source":{"product":"Debt collection","complaint_what_happened":"JPMorgan Chase Bank , National Association, has engaged in breach of fiduciary duty and fraudulent banking practices by mismanaging trust res, concealing credits, and failing to meet required tax reporting obligations. The bank has unlawfully converted negotiable instruments and securities into private profit without disclosure or accounting to the beneficiary, while refusing to apply lawful tender and subrogation, thereby creating fraudulent tax exposure and depriving Treasury of mandated filings. Further, JPMorgan Chase filed a lawsuit leveraging XXXX XXXX, XXXX, Clerk of the Court and Comptroller of XXXX XXXX , as a clearinghouse mechanism to process bonds and securities for multiple payments, effectively monetizing the same obligation repeatedly. This conduct constitutes fraudulent misapplication of funds, conversion of trust property, and racketeering, in violation of the Right to Financial Privacy Act, 26 U.S.C. 6041, and 18 U.S.C. 1344, 654, and XXXX. In an already fragile economic environment, such actions cause undue harm to the beneficiary and the broader public. I demand OCC investigation, a full accounting of credits, debits, and securities generated through this case, correction of tax filings, and sanctions against JPMorgan Chase officers and complicit court officials for dishonor, concealment, and systemic misconduct.","date_sent_to_company":"2025-09-21T00:32:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"16093554","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-21T00:24:04.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>JPMorgan</em> <em>Chase</em> Bank , National Association, has engaged in breach of fiduciary duty and fraudulent banking <em>practices</em> by mismanaging trust res, concealing credits, and failing to meet required tax reporting obligations."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[25.686897,"16093554"]},{"_index":"complaint-public-v1","_id":"11987763","_score":25.488413,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Formal Complaint Against JPMorgan Chase for XXXX XXXX XXXX XXXX to CFPB and Complicity in Fraud Dear Sir/Madam, I am filing this complaint to formally report JPMorgan Chases deliberate and repeated submission of false information to the Consumer Financial Protection Bureau ( CFPB ) in response to my prior complaint regarding fraud and embezzlement involving my businessXXXX XXXX XXXX XXXX XXXX \n\nChases pattern of deception, obstruction, and complicity in fraudulent activity constitutes a direct violation of federal banking laws, the Bank Secrecy Act ( BSA ), the Anti-Money Laundering Act ( AMLA ), Know Your Customer ( KYC ) regulations, and consumer protection laws. \n\nXXXX. JPMorgan Chase Has Knowingly Lied to the CFPB Chases response to my XX/XX/year> CFPB complaint ( Case XXXX XXXXXXXX ) falsely claimed that : We do not have any claims or wire recall requests for the transactions you mentioned in your complaint. \nIn order to file a claim regarding these transactions that you want to dispute, you can call us. \nThese statements are blatant lies. I have irrefutable proof, including : More than XXXX emails from JPMorgan Chase fraud representatives acknowledging receipt of my fraud claims. \nOfficial case numbers assigned by Chases own fraud department confirming that these claims exist and were being processed.\n\nDirect communication with a Chase Executive Office representative, XXXX, who has personally received these emails yet continues to falsely state that no claims exist. \nChases misrepresentation to a federal regulatory agency is not an innocent mistakeit is a calculated effort to obstruct justice and avoid accountability for its complicity in fraudulent activity. \n\nXXXX. JPMorgan Chase Actively Enabled and Profited from Fraud Despite Chases knowledge of this fraud : They allowed the embezzling employee, XXXX XXXX, to continue laundering stolen money through Chase accounts for more than 6 months. \nThey permitted illicit transactionsincluding withdrawals to casinos, cryptocurrency purchases, and overseas prepaid debit card purchaseslong after being notified of the fraud. \nThey ignored repeated notifications that the stolen money was being funneled through Chase accounts, failing to act until all funds were depleted. \nThis constitutes reckless disregard for federal XXXX obligations under : The Bank Secrecy Act ( BSA ) ( 31 U.S.C. 5311-5332 ) Know Your Customer ( KYC ) regulations Anti-Money Laundering Act ( AMLA ) compliance requirements By failing to prevent, investigate, or act upon clear fraud red flags, Chase did not merely fail to protect my companythey actively facilitated criminal activity. \n\nXXXX. XXXX Internal Fraud and Claims Processes Are Designed to Obstruct Customers Chase has engaged in a systemic pattern of obstruction, including : Forcing customers to file fraud claims through multiple, deliberately confusing channels, making it nearly impossible to obtain a resolution. \nMisleading customers about their rights under federal law, as they did in my case by falsely stating that my claims did not exist. \nAllowing internal representatives ( such as XXXX XXXX and XXXX XXXX ) to stonewall and refuse to acknowledge fraud complaints, despite repeated documentation and follow-ups. \nEven after direct communication with Chases legal team, they have refused to take corrective action or acknowledge their wrongdoing. \n\nXXXX. Chases Fraudulent Conduct Has Caused Severe Damages Due to Chases failure to act, my company lost over {$350000.00} in stolen funds, suffered operational delays, and had a pending XXXX XXXXXXXX valuation collapse as a direct result of this financial disruption. \n\nXXXX. Demands for Immediate Regulatory and Legal Action I request the CFPB, XXXX, FTC, and XXXX take the following actions against JPMorgan Chase : Immediate regulatory investigation into JPMorgan Chases practice of deliberately lying to federal regulators and obstructing fraud claims. \nFull disclosure of all fraud claims Chase has received regarding XXXX XXXX, XXXX I can prove exist via Chases own emails and case numbers. \nA mandatory financial penalty for Chases violations of XXXX, XXXX, and KYC regulations. \nImmediate reimbursement of the stolen {$350000.00} plus 10 % interest per annum due to Chases gross negligence and bad faith handling of this matter. \nFurther investigation into Chases internal fraud practices, including potential violations of the False Claims Act, given their repeated submission of false information to a federal agency. \nXXXX. Chase Will Not Escape Accountability If Chase believes that they can evade responsibility through deliberate deception, obstruction, and bad faith conduct, they are gravely mistaken. \n\nI have already forced XXXX financial institutions into settlements for similar misconduct, and if Chase does not immediately rectify this situation, I will : Pursue litigation seeking damages exceeding XXXX XXXXXXXX for Chases gross negligence, breach of fiduciary duty, and regulatory violations. \nSubpoena Chases internal fraud records and customer service call logs, exposing their deliberate pattern of obstruction. \nFile additional complaints with federal and state agencies, ensuring that Chase faces financial and reputational consequences for its misconduct. \nThis is Chases final opportunity to take responsibility before facing severe legal and regulatory repercussions. \n\nI expect a full regulatory investigation and immediate corrective action. Please confirm receipt of this complaint and provide an update on the next steps. \n\nSincerely, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX","date_sent_to_company":"2025-03-11T11:30:24.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33404","tags":null,"has_narrative":true,"complaint_id":"11987763","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-02-07T22:44:26.000Z","state":"FL","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Demands for Immediate Regulatory and Legal Action I request the CFPB, <em>XXXX</em>, FTC, and <em>XXXX</em> take the following actions against <em>JPMorgan</em> <em>Chase</em> : Immediate regulatory <em>investigation</em> into <em>JPMorgan</em> <em>Chases</em> <em>practice</em> of deliberately lying to federal regulators and obstructing fraud claims. \nFull disclosure of all fraud claims <em>Chase</em> has received regarding <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> I can prove exist via <em>Chases</em> own emails and case numbers."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[25.488413,"11987763"]},{"_index":"complaint-public-v1","_id":"10653636","_score":25.037657,"_source":{"product":"Checking or savings account","complaint_what_happened":"I. Introduction I am submitting this complaint against JPMorgan Chase Bank due to significant issues regarding my account, which have led to financial hardship, including eviction. The bank 's actionsor lack thereofhave not only impacted my creditworthiness but have also resulted in severe consequences for my livelihood. This complaint seeks to hold JPMorgan Chase accountable and requests your intervention to rectify these issues.\n\nII. XXXX XXXX XXXX XXXX and Disclosure Failures : Upon opening my account, I was required to provide my Social Security number and other personal information. Since that time, I have not received adequate disclosures related to the status of my account, including insurance claims, 1099-C forms for canceled debt, or details regarding any securities associated with my account. \nI request that JPMorgan Chase disclose any insurance claims, FDIC reports, and evidence of any alterations made to my account or related checks, including the specifics of any hacking incidents. \nNegative Impact on Credit Report : The lack of accurate reporting has resulted in negative marks on my credit report, which have prevented me from accessing necessary credit facilities. This has had a profound effect on my ability to secure housing and has contributed directly to my eviction.\n\nDiscriminatory Practices : I believe that the treatment I have received from JPMorgan Chase has been discriminatory. If there is evidence that other customers have been treated more favorably under similar circumstances, this could indicate a violation of the Equal Credit Opportunity Act ( ECOA ) and the Fair Housing Act. \nFailure to Address Errors : In a recent correspondence from Vice President XXXX XXXX, it was acknowledged that there are errors related to my account that need correction. Notwithstanding this acknowledgment, no remedial action has been undertaken following XXXX 's efforts to rectify these errors, thereby perpetuating the adverse effects on my financial standing. \nXXXX. Legal Basis for XXXX XXXX CFPB was established to ensure that consumers are treated fairly by financial institutions. Under the following regulations, I assert my rights as a consumer : XXXX XXXX XXXX Reform and Consumer Protection Act : This act provides the CFPB with XXXX authority to enforce consumer protection laws and ensure that consumers have access to accurate information regarding their financial products. \n\nFair Credit Reporting Act ( FCRA ) : This law requires that consumers have access to accurate credit information and provides a framework for disputing inaccuracies. The failure of JPMorgan Chase to rectify negative reporting related to my account constitutes a violation of the FCRA. \n\nEqual Credit Opportunity Act ( ECOA ) : This act prohibits discrimination in lending. If JPMorgan Chase has engaged in discriminatory practices regarding my account, they are in violation of this act. \n\nLEGAL VIOLATIONS Constitutional Violations : The actions of the Defendant may constitute violations of the due process rights enshrined in both the U.S. Constitution and the Michigan Constitution, particularly if adequate notice or opportunity to address negative account reporting was not provided.\n\nSecurities and Exchange Commission ( SEC ) Violations : If the Defendant engaged in securities transactions that lacked proper disclosures or failed to comply with SEC regulations, this may constitute unlawful conduct subject to regulatory action.\n\nCode of Federal Regulations ( CFR ) Violations : The Defendant 's actions may be in violation of relevant provisions in the CFR governing banking practices and consumer protection, particularly with respect to disclosure requirements. \n\nFiduciary Duties and Common Law Breaches : The Defendant has a fiduciary duty to act in the best interests of its clients. Any failure to manage the account prudently or to rectify errors could result in a breach of this duty under common law. \n\nUniform Commercial Code ( UCC ) Violations : The Michigan UCC governs secured transactions and indicates that the Plaintiff, as a creditor, holds a perfected security interest in the collateral as described in the Security Agreement. The Defendants disregard for this agreement could expose them to liability under UCC provisions.\n\nIRS Forms 56 and 56F Compliance Issues : The Defendant has been provided IRS Form 56 and Form 56F, indicating the establishment of Power of Attorney. Failure to recognize the authority granted in these forms constitutes a breach of fiduciary responsibility.\n\nTRUST AND DEBTOR-CREDITOR RELATIONSHIP The Plaintiff asserts that the XXXX XXXX XXXX XXXX is identified as a debtor and that XXXX XXXX , in his capacity as Power of Attorney, is the creditor with legal rights to collect on the debts owed. The Security Agreement purportedly covers all future debts and is supported by the collateral 's value. \n\nThe Defendants failure to honor the fiscal forms and POA authorizations supplied by the Plaintiff undermines the trust and estate 's legal standing.\n\nIV. Importance of Resolution The resolution of these issues is critical not only for my financial well-being but also for the integrity of the banking system. A failure to address the errors associated with my account could set a dangerous precedent for other consumers who may face similar issues. Ensuring accountability within financial institutions is vital for maintaining public trust and promoting fair lending practices.\n\nMichigan Consumer Protection Act ( MCPA ) MCL 445.901 et seq. : The MCPA protects consumers from unfair, deceptive, and misleading practices in trade and commerce. If Chases practices can be shown to violate this act, it could serve as a basis for a claim of misleading behavior. \nMichigan Uniform Commercial Code ( UCC ) MCL 440.1101 et seq. : The UCC governs commercial transactions in Michigan, including the sale of goods and secured transactions. Provisions related to the good faith requirement in commercial transactions and the obligation to act with reasonable care may support claims against Chase regarding their handling of the depository agreement.\n\nMichigan Truth in Lending Act MCL 493.1401 et seq. : While primarily aimed at loan transactions, if the depository agreement includes terms related to credit, this act may impose requirements that Chase failed to meet, leading to misleading practices.\n\nMichigan Debt Collection Practices Act MCL 445.251 et seq. : This act regulates debt collection practices and may apply if Chases actions in managing the account are construed as deceptive or unfair, particularly in how they report the principal 's credit history.\n\nMichigan Revised Judicature Act MCL 600.2919 : This law addresses the liability for wrongful acts and could support claims regarding harm caused by Chases actions.\n\nMichigan Administrative Code R 205.121 et seq. : These rules outline regulations concerning financial institutions, including prohibitions against unfair or deceptive acts in the context of consumer financial services.\n\nFiduciary Duty Principles The concept of fiduciary duty requires banks to act in the best interests of their clients. Any breach of this duty, such as failing to properly manage an account or adequately disclose terms in a depository agreement, could lead to claims of liability.\n\nTort Law Principles Under common law, a party can be held vicariously liable for the actions of its agents if those actions occur within the scope of employment. If employees of Chase engaged in misleading practices or failed to uphold their duties under the depository agreement, this could expose Chase to vicarious liability.\n\nRemedies and Enforcement MCL 445.903 : This section of the MCPA provides for remedies, including the ability for consumers to seek damages, which could be applicable in a case against Chase.\n\nSummary These laws could serve as the foundation for challenging the fairness and legality of JPMorgan Chase 's depository agreement.\n\nV. Request for Action I hereby request that the CFPB investigate this matter thoroughly. Specifically, I ask for : An investigation into JPMorgan Chases management of my account, including the handling of disclosures, insurance claims, and reporting practices.\n\nAssistance in rectifying any inaccuracies in my credit report that stem from the banks mismanagement.\n\nRecommendations for corrective actions that JPMorgan Chase must take to address these issues and ensure compliance with consumer protection laws. \n\nThank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these serious concerns.","date_sent_to_company":"2024-11-01T23:38:53.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"10653636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-11-01T23:06:25.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["Request for Action I hereby request that the CFPB <em>investigate</em> this matter thoroughly. Specifically, I ask for : An <em>investigation</em> into <em>JPMorgan</em> <em>Chases</em> management of my account, including the handling of disclosures, insurance claims, and reporting <em>practices</em>.\n\nAssistance in rectifying any inaccuracies in my credit report that stem from the banks mismanagement."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[25.037657,"10653636"]},{"_index":"complaint-public-v1","_id":"11762164","_score":24.870216,"_source":{"product":"Checking or savings account","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against JPMorgan Chase for Fraudulent Misrepresentations , Gross Negligence, and Regulatory Violations Description of the Issue : This complaint, on behalf of XXXX XXXX XXXX XXXX XXXX separate from my previous complaint due to JPMorgan XXXX XXXX false statements regarding fraud claims associated with multiple accounts under my businesses. Chase has repeatedly misrepresented facts to the CFPB and has engaged in deceptive practices that obstruct justice and violate federal banking regulations. \n\nDuring an internal audit in late XXXX and early XXXX, I discovered that a former employee, XXXX XXXX, embezzled millions from my business accounts held at JPMorgan Chase. Despite repeated fraud reports and claims filed with Chase, the bank knowingly facilitated fraudulent transactions, allowed the creation of shell companies, and failed to take any corrective action. \n\nWhen I escalated the matter through Chases fraud department, the bank delayed, obstructed, and ultimately falsely claimed that no fraud claims existed for certain accountsdespite documented claim numbers, multiple communications, and over XXXX email threads proving otherwise. Chases response to my previous CFPB complaint contains egregious misrepresentations that demand immediate correction. \n\nChases Specific Violations : Knowingly False Statements to the CFPB : Chase falsely claimed that no fraud claims were filed on certain accounts, despite documented evidence proving otherwise. \n\nAiding & Abetting Fraudulent Transactions : Chase allowed millions to be funneled through fraudulent shell entitiesXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXwithout triggering mandated Anti-Money Laundering ( AML ) or Bank Secrecy Act ( BSA ) alerts. \n\nGross Negligence in Account Security : Chase permitted XXXX to unilaterally add himself as a signatory on business accounts without my knowledge or consent, violating basic security protocols. \n\nFailure to Investigate & Recover Stolen Funds : Chase refused to take meaningful action despite early fraud reports, instead shielding the criminal from accountability. \n\nObstruction and Deception in Regulatory Responses : Chase deliberately delayed responses, misrepresented facts, and engaged in deceptive business practices to avoid liability.\n\nSystemic Abuse of Regulatory Timelines : Chase improperly denied claims under the pretext of a XXXX reporting window, despite timely reports and Chases active interference in my ability to recover funds. \n\nRelief Sought : Immediate Investigation & Correction of Fraudulent Statements : Chase must correct its false claims to the CFPB and acknowledge the existence of my fraud claims. \n\nFull Restitution of Stolen Funds : Chase must reimburse all affected accounts, including those under XXXX XXXX XXXX, and cover consequential damages. \n\nRegulatory Action Against JPMorgan Chase : The CFPB should sanction Chase for its violations of UDAAP, AMLA, BSA, and Regulation E and require compliance measures to prevent further fraudulent conduct.\n\nExecutive-Level Review and Response : A senior Chase XXXX should be required to respond directly, rather than continuing to issue form denials. \n\nChases pattern of fraud, deception, and regulatory noncompliance can not continue unchecked. The CFPB must take immediate action to hold Chase accountable for its role in enabling financial crimes, obstructing justice, and defrauding customers. \n\nAttachments : Fraud claims filed with Chase ( with case numbers ) Chases contradictory responses to CFPB and me Emails and supporting documents proving Chases obstruction and false claims Filed by : XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX : Office of the Comptroller of the Currency ( XXXX ) Federal Bureau of Investigation ( FBI ), Financial Crimes Division U.S. Department of Justice ( DOJ ) Financial Crimes Enforcement Network ( FinCEN ) Securities and Exchange Commission ( SEC ) State Attorney Generals Office","date_sent_to_company":"2025-01-24T15:32:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33404","tags":null,"has_narrative":true,"complaint_id":"11762164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-24T15:22:49.000Z","state":"FL","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["<em>Chase</em> has repeatedly misrepresented facts to the CFPB and has engaged in deceptive <em>practices</em> that obstruct justice and violate federal banking regulations. \n\nDuring an internal audit in late <em>XXXX</em> and early <em>XXXX</em>, I discovered that a former employee, <em>XXXX</em> <em>XXXX</em>, embezzled millions from my business accounts held at <em>JPMorgan</em> <em>Chase</em>."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[24.870216,"11762164"]},{"_index":"complaint-public-v1","_id":"8706250","_score":24.786936,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to file a formal complaint against JPMorgan Chase Bank regarding the sudden closure of my XXXX account and the withholding of funds vital for the operation of my business. The details of the transactions and events are as follows : Transaction Dates and Amounts : XX/XX/2024 - {$20000.00} XX/XX/2024 - {$11000.00} XX/XX/2024 - {$15000.00} XX/XX/2024 - {$4300.00} XX/XX/2024 - {$9300.00} XX/XX/2024 - {$14000.00} On XX/XX/2024, I received an email notification from JPMorgan Chase Bank informing me that my XXXX  account has been closed without any explanation provided. Despite repeated attempts to obtain information regarding the closure and the status of my funds, I have been met with a lack of transparency and assistance from Chase Bank representatives. They have refused to provide any details over the phone, leaving me in a state of uncertainty and financial distress. \n\nThe funds being held by Chase Bank are critical for the ongoing operation of my business. Without access to these funds, I am unable to meet essential financial obligations, including payroll, inventory purchases, and other necessary expenses. The abrupt closure of my account and the subsequent withholding of funds have caused significant disruption and hardship for my business, jeopardizing its viability and placing undue stress on myself and my employees. \n\nI believe that JPMorgan Chase Bank 's actions constitute a violation of consumer protection regulations, including unfair and deceptive practices. The lack of communication and transparency regarding the account closure and fund withholding demonstrates a disregard for consumer rights and financial well-being. \n\nTherefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Chase Bank provides a satisfactory resolution. I seek the immediate release of my funds and compensation for any damages incurred as a result of Chase Bank 's actions. \n\nThank you for your attention to this matter. I look forward to a prompt and favorable resolution.","date_sent_to_company":"2024-04-05T19:56:46.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"33401","tags":null,"has_narrative":true,"complaint_id":"8706250","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-04-05T19:42:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I believe that <em>JPMorgan</em> <em>Chase</em> Bank 's actions constitute a violation of consumer protection regulations, including unfair and deceptive <em>practices</em>. The lack of communication and transparency regarding the account closure and fund withholding demonstrates a disregard for consumer rights and <em>financial</em> well-being."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[24.786936,"8706250"]},{"_index":"complaint-public-v1","_id":"15414281","_score":24.432098,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX for formal complaints ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Demand for Enforcement JPMorgan Chase and XXXX Violating Federal, State, and International Consumer Protection Laws To Whom It May Concern, I am submitting this formal complaint and demand for enforcement against JPMorgan Chase Bank , N.A . and XXXX XXXX for their unlawful conduct, deceptive practices, and blatant disregard for consumer protection laws. \n\nI purchased a product using a Buy Now, Pay Later ( BNPL ) arrangement through XXXX, which was charged to my Chase debit-credit card. The product was defective, and I initiated a dispute. XXXX responded with contradictory statements and refused to investigate. Chase claimed they could not help because its a BNPL transaction and out of their hands. That is false. Chase facilitated the payment, and both entities are legally obligated to support dispute resolution. \n\nI explicitly instructed Chase to block further withdrawals related to the disputed transaction. They ignored this directive and continued allowing XXXX to withdraw funds. XXXX, meanwhile, issued multiple conflicting statements and denied responsibility, despite clear obligations under federal law. \n\n\n\nViolations Committed JPMorgan Chase : Refused to investigate a disputed charge initiated through their card. \nContinued withdrawals after being instructed to block payments. \nMisrepresented my legal rights by claiming XXXX transactions are not eligible for dispute. \n\n\nXXXX : Issued contradictory and misleading statements. \nRefused to investigate a defective product claim. \nLied about their obligations under federal law and CFPB guidance. \n\n\nLaws Violated Federal Law 1. Truth in Lending Act ( TILA ) 15 U.S. Code 1666 Grants consumers the right to dispute charges for goods not received or accepted.\n\nRequires creditors to investigate disputes and prohibits retaliation or penalty.\n\nKlarna is now classified as a credit card issuer under CFPBs XXXX XXXX interpretive rule. \n\nXXXX. Electronic Fund Transfer Act ( EFTA ) 15 U.S. Code 1693h Requires financial institutions to block unauthorized or disputed transfers. \nChase violated this by continuing withdrawals after my directive. \n\nXXXX. CFPB Interpretive Rule XX/XX/XXXX BNPL providers are now treated as credit card issuers under Regulation Z. \nXXXX must offer dispute protections ; Chase can not disclaim responsibility. \n\n\n\nXXXX  Law 1. Texas Deceptive Trade Practices Act ( DTPA ) Tex. Bus. & Com. Code 17.41 et seq. Prohibits false, misleading, or deceptive acts in commerce. \nChase and XXXX misrepresentations and refusal to act are violations. \nAllows for actual damages, attorneys fees, and treble damages if conduct is knowing or intentional. \n\n\n\nInternational Standards XXXX. UK Financial Conduct Authority ( FCA ) Section 75 of the Consumer Credit Act Holds credit issuers jointly liable with merchants for defective products. \nXXXX operates internationally and is subject to these standards. \n\nXXXX. EU Consumer Credit Directive ( XXXX update ) Requires BNPL providers to offer dispute resolution and refund mechanisms. \nXXXX conduct violates these emerging standards. \n\nXXXX. Australian Treasury Laws Amendment Bill XXXX XXXX providers must act as licensed credit providers and offer consumer protections. \nXXXX refusal to investigate and issue refunds breaches these norms. \n\nDemand for Enforcement I demand that your agencies : XXXX. Investigate JPMorgan Chases refusal to honor dispute rights under TILA and EFTA. \nXXXX. Hold XXXX accountable for deceptive conduct and failure to comply with CFPBs BNPL guidance. \nXXXX. Issue regulatory penalties and compel both entities to refund the disputed amount. \nXXXX. Audit Chases  BNPL practices for systemic violations and potential collusion with XXXX. \n\n\nI am prepared to submit full documentation, including receipts, correspondence, audio recordings, and written directives that Chase  and XXXX ignored. Their conduct is not a misunderstandingit is a calculated violation of law. \n\nAccording to I bought something that says goat clothing, and shoes, which I did not. And everything was recorded on Chase.Klanra This is a demand for enforcement. Not a request. Not a negotiation. Not a delay. \n\nSincerely, XXXX XXXX ( XXXX ) Consumer Advocate XXXX, XXXX XXXX Thanks","date_sent_to_company":"2025-08-20T13:37:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"76227","tags":"Servicemember","has_narrative":true,"complaint_id":"15414281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-20T13:25:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> for formal complaints ) <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> XXXXXXXX To : Consumer <em>Financial</em> Protection Bureau ( CFPB ) Subject : Formal Demand for Enforcement <em>JPMorgan</em> <em>Chase</em> and <em>XXXX</em> Violating Federal, State, and International Consumer Protection Laws To Whom It May Concern, I am submitting this formal complaint and demand for enforcement against <em>JPMorgan</em> <em>Chase</em> Bank , N.A . and <em>XXXX</em> <em>XXXX</em> for their unlawful conduct, deceptive <em>practices</em>, and blatant disregard for consumer protection laws"],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[24.432098,"15414281"]},{"_index":"complaint-public-v1","_id":"13159625","_score":24.238758,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against JPMorgan Chase Bank for Improper Handling of Chargeback Claims Dear Sir or Madam, I am writing to formally lodge a complaint against JPMorgan Chase Bank ( Chase ) regarding their handling of my chargeback claims. Chase has repeatedly closed my claims without providing any evidence or documentation to substantiate their decisions, in violation of their obligations under Regulation E of the Electronic Fund Transfer Act ( 12 CFR Part 1005 ). \n\nOn XX/XX/XXXX, I initiated chargeback claims with Chase for unauthorized transactions on my account, totaling {$130.00}. Despite my timely submission of all required documentation and clear evidence of unauthorized activity, Chase closed these claims without resolution in my favor. More concerning, Chase has failed to provide any details or evidence regarding the research or investigation process they claim to have conducted. This lack of transparency and failure to adhere to procedural requirements under Regulation E, specifically XXXX, which mandates that financial institutions investigate promptly and provide a determination based on a reasonable investigation, is unacceptable. \n\nRegulation E explicitly requires banks to provide consumers with a written explanation of the findings, including evidence used in their determination, when resolving error claims. Chases refusal to disclose any supporting documentation or rationale for their decisions not only undermines my rights as a consumer but also suggests a systemic failure to comply with federal regulations designed to protect consumers from erroneous or unauthorized transactions. \n\nI respectfully request that the Consumer Financial Protection Bureau investigate Chases practices regarding the handling of my chargeback claims. Specifically, I ask that you compel Chase to : Reopen and thoroughly investigate my chargeback claims in accordance with Regulation E. \n\n\n\nProvide a detailed written explanation of their findings, including all evidence relied upon in their determination. \n\n\n\nEnsure compliance with all applicable federal regulations to prevent further violations. \n\n\nThank you for your attention to this matter. I trust that the CFPB will take appropriate action to address Chases non-compliance and protect my rights as a consumer. Please keep me informed of any developments in this case. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-24T22:01:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"194XX","tags":null,"has_narrative":true,"complaint_id":"13159625","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-04-24T21:49:21.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXX/XX/<em>XXXX</em> ] Consumer <em>Financial</em> Protection Bureau <em>XXXX</em>. XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX Subject : Complaint Against <em>JPMorgan</em> <em>Chase</em> Bank for Improper Handling of Chargeback Claims Dear Sir or Madam, I am writing to formally lodge a complaint against <em>JPMorgan</em> <em>Chase</em> Bank ( <em>Chase</em> ) regarding their handling of my chargeback claims."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[24.238758,"13159625"]},{"_index":"complaint-public-v1","_id":"16904560","_score":24.212141,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint Letter Overdraft Fee Dispute ( Chase Bank ) To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX Subject : Unfair Overdraft Fee Charged by XXXX Chase Bank Description of the Issue : I am writing to file a complaint against JPMorgan Chase Bank for an overdraft fee that I believe was charged unfairly. I was using my own available funds, and at the time of my transactions, my Chase mobile app and online account both showed that I had a positive balance.\n\nLater, Chase informed me that my account had not been updated at the time I made the transactions, and after they updated it, they claimed that I had used money from Chase and therefore charged me an overdraft fee. This is inaccurate because the account information provided to me showed sufficient funds when I made the transactions.\n\nI believe this is an unfair and deceptive banking practice, as the bank misrepresented my available balance and then penalized me for relying on their own system.\n\nWhat I Am Requesting : I request that the CFPB investigate this matter and that JPMorgan Chase Bank : 1. Refund the overdraft fee ( s ) charged to my account ; 2. Correct any resulting negative balances ; 3. Ensure transparency and accuracy in showing real-time balances to customers.\n\nBank Name : JPMorgan Chase Bank, N.A. \nFee Amount : [ Insert amount e.g., {$34.00} XXXX times ] Account Type : Checking Account Additional Information : I have already contacted Chase customer service, but they insisted that the overdraft charge was valid even though I only spent the funds shown as available in my account. \n\nI am requesting the CFPB to review this case and assist in obtaining a refund and ensuring this does not happen to other consumers. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-10-29T15:09:55.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"55408","tags":null,"has_narrative":true,"complaint_id":"16904560","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-29T15:01:32.000Z","state":"MN","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["CFPB Complaint Letter Overdraft Fee Dispute ( <em>Chase</em> Bank ) To : Consumer <em>Financial</em> Protection Bureau From : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Subject : Unfair Overdraft Fee Charged by <em>XXXX</em> <em>Chase</em> Bank Description of the Issue : I am writing to file a complaint against <em>JPMorgan</em> <em>Chase</em> Bank for an overdraft fee that I believe was charged unfairly. I was using my own available funds, and at the time of my transactions, my <em>Chase</em> mobile app and online account both showed that I had a positive balance."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[24.212141,"16904560"]},{"_index":"complaint-public-v1","_id":"10648194","_score":24.173897,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to file a formal complaint against JPMorgan Chase in relation to a promotional credit card offer they extended to me, which they have since failed to honor. This situation has caused significant financial and personal inconvenience, and I am seeking regulatory intervention to resolve the matter fairly. The details of the case are as follows : on XX/XX/XXXX, I was offered a Chase credit card ( XXXX XXXX XXXX XXXX  ) under the promise of earning XXXX Free Nights ( valued up to XXXX Total Points ) after spending {$3000.00} on purchases in the XXXX  XXXX months from account opening. [ Please refer to the following documents : ( XXXX ) Email dated XX/XX/XXXX at XXXX with subject line Which card do you prefer? Earn XXXX or XXXX Free Nights ; ( XXXX ) Offer Details for XXXX XXXX XXXX credit card ]. Based on this offer, that same day I applied for and was approved for the credit card on XX/XX/XXXX at XXXX. [ Please refer to the email dated XX/XX/XXXX at XXXX with subject line XXXX, Your new Chase credit card is approved ]. However, after receiving the card, JPMorgan Chase failed to provide the promotional benefits as promised. Specifically, after I spent more than the required {$3000.00} on purchases in the XXXXXXXX XXXX months from account opening, JPMorgan Chase only granted me XXXX XXXX XXXX XXXX on my account. [ Please see the following documents : ( XXXX ) Credit Card Statements for the periods XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX, showing purchases totaling {$3600.00}, proving that the condition to receive the XXXX Total Points was met ) ; ( XXXX ) Credit Card Statement for the period XX/XX/XXXX to XX/XX/XXXX, showing a New Cardmember Bonus of only XXXX XXXX XXXX XXXX ; ( XXXX ) Screen Print of my XXXX XXXX XXXX as of XX/XX/XXXX, showing that to date only XXXX points have been earned in concept of New Cardmember Bonus ( please refer to the line Other points earned year to date, showing the XXXX points ) ]. I have attempted to resolve the issue and contacted JPMorgan Chase 's customer service multiple times, but their responses have been unsatisfactory, offering no resolution or proper explanation. They claim that the offer was XXXX points after {$3000.00} spend. I requested them to provide me with a written response to my request rather than just unsatisfactory verbal responses, but they refused, claiming that customer service representatives can not send emails to customers. The issues presented here are serious. I believe that JPMorgan Chase has engaged in deceptive and unfair practices in violation of federal consumer protection laws. I am seeking your assistance in addressing this matter. I request that JPMorgan Chase be required to : ( XXXX ) honor the original promotional offer as advertised and award me with XXXX points, and ( XXXX ) provide appropriate compensation for the inconvenience and financial impact caused by their actions. An appropriate compensation would involve an additional XXXX points given their egregious behavior and the amount of time I spent trying to address this with JPMorgan Chase customer service as well as preparing all the facts and documentation for this complain. Thank you for your attention to this serious matter. I trust that your office will investigate and take appropriate action against JPMorgan Chase to ensure compliance with federal regulations and protect consumer rights.","date_sent_to_company":"2024-10-31T04:18:07.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"33134","tags":null,"has_narrative":true,"complaint_id":"10648194","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-10-31T03:51:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["I believe that <em>JPMorgan</em> <em>Chase</em> has engaged in deceptive and unfair <em>practices</em> in violation of federal consumer protection laws. I am seeking your assistance in addressing this matter. I request that <em>JPMorgan</em> <em>Chase</em> be required to : ( <em>XXXX</em> ) honor the original promotional offer as advertised and award me with <em>XXXX</em> points, and ( <em>XXXX</em> ) provide appropriate compensation for the inconvenience and <em>financial</em> impact caused by their actions."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[24.173897,"10648194"]},{"_index":"complaint-public-v1","_id":"11811691","_score":24.101065,"_source":{"product":"Prepaid card","complaint_what_happened":"Subject : Urgent Complaint Regarding Data Breach and Theft of XXXX XXXX Benefits by JPMorgan Chase Bank To Whom It May Concern, I am writing to formally lodge a complaint against JPMorgan Chase Bank, the issuer of my state 's food stamp ( SNAP ) EBT card, regarding their failure to protect my benefits, resulting in the theft of all funds due to a data breach. This situation is a direct and catastrophic violation of multiple state and federal consumer protection laws, as well as provisions under the Uniform Commercial Code ( UCC ). It has caused significant and irreparable harm to me and my children, who are now facing a dire threat to our survival due to this negligence. \n\nAs of XX/XX/year>, I have lost {$1800.00} in benefits due to this theft. This loss has deprived my family of essential resources, leaving us unable to purchase food. JPMorgan Chase has failed to take appropriate action to restore these funds or address the underlying security failure that caused this issue. \n\nViolations and Legal Breaches : Federal Consumer Protection Laws 1. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq.\n\nJPMorgan Chase is obligated to safeguard electronic transactions and protect consumers from unauthorized transfers. Their failure to promptly detect and prevent the theft constitutes a breach of their duty under Regulation E, including failure to investigate and resolve unauthorized transactions within 10 business days as required.\n\n2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nIf JPMorgans data breach exposed personal information, they failed to safeguard sensitive data, thereby violating their duty under FCRA to protect consumer data from unauthorized access. \n\nXXXX. XXXX XXXX ( XXXX ), 15 U.S.C. 6801 JPMorgan failed to implement adequate security protocols to protect the confidentiality of financial and nonpublic personal information. \n\n\nUniform Commercial Code ( UCC ) Violations 1. UCC 4A-202 : Security Procedures for Payment Orders JPMorgan failed to maintain commercially reasonable security procedures to verify that only authorized transactions were processed. The theft of my benefits directly indicates a lapse in implementing proper safeguards. \n\n\n\n2. UCC 4A-203 : Unauthorized Payment Orders JPMorgan is liable for processing unauthorized transactions. Their failure to detect and prevent the unauthorized access to my XXXX account constitutes gross negligence under this provision. \n\n3. UCC 4A-204 : Refund of Payment Orders Under this section, JPMorgan is obligated to refund the full amount of unauthorized transfers and can not disclaim responsibility due to the lack of security measures. \n\n4. UCC 4A-305 : Liability for Loss Caused by Improper Execution or Failure to Execute JPMorgan failed to execute their obligations properly by allowing unauthorized transactions and failing to reverse the improper transfers once reported.\n\n5. UCC 4-103 : Variation by Agreement and Standards of Care The bank can not disclaim liability for its lack of ordinary care or bad faith. Allowing unauthorized access to my benefits and failing to resolve the issue promptly violates this provision.\n\n6. UCC 4-401 : Bank 's Authority to Pay Items A bank is only authorized to pay items that are properly payable. Transactions resulting from unauthorized access are not \" properly payable, '' and JPMorgan must be held accountable for allowing them. \n\n7. UCC 4-406 : Customers Duty to Review Statements While customers are required to report unauthorized activity promptly, JPMorgans inadequate security measures facilitated the breach. Their failure to protect against foreseeable fraud and unauthorized use of my account violates this duty.\n\nGeorgia Consumer Protection Laws 1. Georgia Personal Identity Protection Act ( O.C.G.A. 10-1-910 et seq. ) This act mandates that any entity maintaining computerized data that includes personal information of individuals must notify affected Georgia residents of any breach of the security of the system without unreasonable delay. JPMorgan 's failure to promptly inform me of the data breach constitutes a violation of this statute. \n\n2. Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ) JPMorgan 's inadequate security measures and failure to prevent unauthorized access to my XXXX account constitute unfair and deceptive acts or practices in the conduct of consumer transactions, violating Georgia 's Fair Business Practices Act. \n\n\nConsequences of JPMorgans Negligence : This data breach and subsequent theft have directly deprived my family of the means to purchase food, putting our health and survival at imminent risk. Additionally, the mental and emotional toll of this ordeal has been devastating, causing undue stress and anxiety. \n\nDemands for Remedy : I demand the following remedies to address the violations and harm caused by JPMorgan Chase : 1. Immediate restoration of stolen XXXX benefits, totaling {$1800.00}, to my XXXX account in full to ensure my familys survival. \n\n\nXXXX. Compensation for damages, including : Emotional distress caused by JPMorgans negligence.\n\nTime and resources spent addressing this issue.\n\n3. Implementation of enhanced security measures to prevent future breaches, including : Multi-factor authentication for all XXXX transactions. \n\nReal-time fraud detection alerts. \n\nXXXX. Written acknowledgment of responsibility from JPMorgan Chase and a detailed explanation of how the breach occurred. \n\nFailure to resolve this matter promptly will leave me no choice but to escalate this complaint further, including pursuing legal remedies under applicable laws. \n\nRequest for Immediate Action : I urge the Consumer Financial Protection Bureau to investigate this matter with the utmost urgency. JPMorgan Chase must be held accountable for their failure to protect my benefits and sensitive data. This breach has jeopardized the well-being of vulnerable families like mine, and immediate corrective action is required. \n\nThank you for your prompt attention to this serious matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-28T15:52:50.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"304XX","tags":null,"has_narrative":true,"complaint_id":"11811691","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-28T15:24:42.000Z","state":"GA","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["Subject : Urgent Complaint Regarding Data Breach and Theft of <em>XXXX</em> <em>XXXX</em> Benefits by <em>JPMorgan</em> <em>Chase</em> Bank To Whom It May Concern, I am writing to formally lodge a complaint against <em>JPMorgan</em> <em>Chase</em> Bank, the issuer of my state 's food stamp ( SNAP ) EBT card, regarding their failure to protect my benefits, resulting in the theft of all funds due to a data breach."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[24.101065,"11811691"]},{"_index":"complaint-public-v1","_id":"9876555","_score":24.009972,"_source":{"product":"Checking or savings account","complaint_what_happened":"Detailed Report on the Identity Theft Fraud Against XXXX XXXX and Legal Violations by XXXX XXXX XXXX, XXXX XXXX XXXX, and JPMorgan Chase XXXX XXXX XXXX XXXX XXXX, currently residing at XXXX XXXX XXXX, XXXX XXXX, Illinois, has been a victim of pervasive identity theft fraud that began in XXXX and persists to the present day. The fraud has resulted in the unauthorized establishment of accounts in her name at XXXX XXXX XXXX. \n\nThe exact date of the creation of these accounts remains unknown to XXXX XXXX. Importantly, the information used to open these accounts did not include her Social Security number, and as a result, the accounts have never appeared on any of her credit bureau reports. Had they appeared, XXXX XXXX would have promptly responded to the matter. \n\nDuring the time the fraudulent accounts were created, XXXX XXXX 's identity was compromised, and the fraudsters used an unknown address to carry out their actions. This fraudulent address does not belong to XXXX XXXX, and she has never resided there. \n\nThis information has caused significant confusion and difficulty in resolving the matter. Her actual residence during this time has always been consistent with her current address at XXXX XXXX XXXX, XXXX XXXX, IL XXXX. \n\nXXXX XXXX XXXX, represented by the law firm XXXX XXXX XXXX, XXXX, specifically attorney XXXX XXXX XXXX ( Illinois Bar Number # XXXX ), prepared and sent a fraudulent judgment and asset search against XXXX XXXX to her bank, JPMorgan Chase. \n\nThis action resulted in the freezing of both her personal and business accounts. However, no legitimate judgment was ever obtained, and XXXX XXXX XXXX XXXX dismissed the case in XX/XX/XXXX. Despite this, XXXX XXXX XXXX filed paperwork with JPMorgan Chase as if an active judgment existed, leading to the unlawful freezing of XXXX XXXX 's accounts. \n\nLegal Violations and Issues Identity Theft and Fraudulent Account Creation The fraudulent use of XXXX XXXX 's identity to open accounts at XXXX XXXX XXXX without her knowledge or consent is a clear violation of multiple state and federal laws, including the Illinois Identity Theft Law and the Federal Identity Theft and Assumption Deterrence Act. \n\nThe fact that her Social Security number was not used suggests the use of other fraudulent means to establish these accounts, potentially involving false documentation or misrepresentation. \n\nDiscrepancies in Creditor Information During the investigation and review of court documents related to this case, it was discovered that there are inconsistencies in the identification of the original creditor. Some court documents list XXXX XXXX XXXX as the original creditor, while others list XXXX XXXX XXXX. \n\nThis inconsistency further complicates the matter and raises questions about the accuracy and legitimacy of the claims being made against XXXX XXXX. The conflicting information could indicate potential errors or intentional misrepresentations, which should be thoroughly investigated. \n\nUnlawful Judgment Filing by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, under the direction of Attorney XXXX XXXX ( Illinois Bar Number # XXXX ), engaged in deceptive legal practices by preparing and filing fraudulent judgments with JPMorgan Chase. \n\nThese actions violate Illinois ' legal and ethical standards, particularly under the Illinois Rules of Professional Conduct. The law firm 's actions are not only fraudulent but also demonstrate a blatant disregard for legal procedures, as no legitimate judgment was ever obtained. \n\nThe filing of a fraudulent affidavit of service, claiming that XXXX XXXX was served at her employer ( an address where she had not worked in four years ), further underscores the deceptive nature of their conduct.\n\nImproper Account Freezing by JPMorgan Chase JPMorgan Chase 's freezing of XXXX XXXX 's accounts without verification of a valid judgment constitutes a breach of their fiduciary duty to the account holder. Under 735 ILCS XXXX, enforcement proceedings to collect judgments are governed by specific statutes, which JPMorgan Chase appears to have ignored. \n\nThe bank 's actions also potentially violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as they failed to adequately verify the legitimacy of the judgment before taking action. \n\nThe case of XXXX XXXX XXXXXXXX XXXX JPMorgan Chase Bank , N.A . provides a relevant precedent. In that case, JPMorgan Chase was involved in a similar situation where it wrongfully froze the assets of XXXX XXXX XXXX, leading to significant financial losses for the company. The court ruled in favor of Chase, citing the bank 's contractual right to freeze accounts under suspicion of illegal activity. However, the current situation differs as there was no legal basis for the suspicion, and the judgment in question was fraudulent from the outset. This distinction is crucial and highlights the banks failure to exercise due diligence in XXXX XXXX 's case. \n\nAdditionally, JPMorgan Chase issued a letter dated XX/XX/XXXX, to XXXX XXXX XXXXXXXX XXXX ( the name under which XXXX XXXX 's business operates ), informing her that a hold had been placed on her account ( XXXX ) due to an enclosed court order enforcing a legal judgment. The letter outlines how the hold affects her accounts, explaining that the funds can not be accessed until the hold is released. The letter advises XXXX XXXX to consult an attorney to dispute the court order if she believes it to be invalid and provides information on potential exemptions under federal and state laws. \n\nImpact on Dependent Child The unlawful freezing of XXXX XXXX accounts has had a particularly severe impact on her ability to care for her XXXX child, XXXX XXXX. XXXX suffers from multiple medical conditions, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nXXXX XXXX relies heavily on her income to provide the necessary care and support for her child. The freezing of both her business and personal accounts has placed her in an untenable position, preventing her from accessing the funds needed for XXXX 's ongoing medical care and daily living expenses. \n\nFraudulent Service of Process The service of process in this case is highly questionable, with the process server listing a \" XXXX XXXX '' as the recipient at XXXX XXXX 's former place of employment. Given that XXXX XXXX had not worked at that location for four years and there is no record of a XXXX XXXX working there, this represents a serious breach of legal procedures. \nThe fraudulent service of process further invalidates any claims made by XXXX XXXX XXXX or XXXX XXXX XXXX regarding the legitimacy of their actions. We have attached as proof, XXXX XXXX separation agreement from employer SD XXXX XXXX, which took place XXXX of XXXX. \n\nPolice Reports Filed XXXX XXXX has filed two police reports with the XXXX Police Department regarding identity theft related to this incident. The first report, number XXXX, was filed on Wednesday, XX/XX/XXXX, to document the initial identity theft. \n\nThe second report, number XXXX, was filed on XX/XX/XXXX, to address the ongoing identity theft fraud related to this case. These reports provide crucial evidence of the identity theft and support XXXX XXXX 's claims against the involved parties. \n\nRequests for Action Immediate Unfreezing of Accounts XXXX XXXX requests that JPMorgan Chase immediately unfreeze all of her personal and business accounts, as there is no legitimate judgment or legal basis for the current freeze. The bank must rectify its error and restore access to her funds. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requests disciplinary action against XXXX XXXX XXXX, XXXX, specifically Attorney XXXX XXXX XXXX ( Illinois Bar Number # XXXX ), for their deceptive legal practices, including the filing of falsified and fraudulent documents. \n\nThis matter should be referred to the Illinois Attorney Registration and Disciplinary Commission ( ARDC ) for investigation and appropriate sanctions. Supporting documentation, including the ARDC Request for Investigation form, has been attached to this report. \n\nInvestigation by Regulatory Authorities : XXXX XXXX requests a full investigation into the actions of XXXX XXXX XXXX, XXXX XXXX XXXX, and JPMorgan Chase by the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Department of Justice ( DOJ ), and the Illinois Attorney Generals Office. \n\nThese agencies must examine the extent of the legal violations, including potential breaches of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. \n\nRestitution and Damages XXXX XXXX seeks restitution for any financial losses incurred due to the wrongful freezing of her accounts, as well as compensation for the emotional distress and damage to her reputation caused by these unlawful actions. Additionally, due consideration should be given to the financial hardship imposed on her and her XXXX child, XXXX XXXX, who relies on her for support and care. \n\nConclusion The case of XXXX XXXX exemplifies the severe consequences of identity theft and the need for stringent legal protections and enforcement. The fraudulent actions taken by XXXX XXXX XXXX, XXXX XXXX XXXX, and JPMorgan Chase have caused significant harm to XXXX XXXX, and immediate corrective actions are required. \nThis report underscores the importance of holding accountable those who engage in fraudulent and deceptive practices, particularly in the legal and financial sectors. \n\n\n\nAttachments All supporting documentation, including court documents, the ARDC Request for Investigation form, the XXXX XXXX XXXXXXXX XXXX JPMorgan Chase Bank case, the letter from JPMorgan Chase dated XX/XX/XXXX, and the police reports filed with the XXXX Police Department ( report numbers XXXX and XXXX ), as well as additional documentation provided, have been included to support this report. \n\nDate : XX/XX/XXXX Prepared by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX","date_sent_to_company":"2024-08-21T19:06:32.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60452","tags":null,"has_narrative":true,"complaint_id":"9876555","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-21T18:49:21.000Z","state":"IL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Supporting documentation, including the ARDC Request for <em>Investigation</em> form, has been attached to this report. \n\n<em>Investigation</em> by Regulatory Authorities : <em>XXXX</em> <em>XXXX</em> requests a full <em>investigation</em> into the actions of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, and <em>JPMorgan</em> <em>Chase</em> by the Consumer <em>Financial</em> Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Department of Justice ( DOJ ), and the Illinois Attorney Generals Office."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[24.009972,"9876555"]},{"_index":"complaint-public-v1","_id":"15590497","_score":23.966024,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Against JPMorgan Chase Bank ( JPMCB Card Services ) Account Number ( last 4 ) : XXXX Company Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear CFPB, I am submitting this complaint regarding JPMorgan Chase Bank ( JPMCB Card Services ) and their handling of my credit card account. \nAccording to my Experian credit report, the account ( opened XX/XX/year>, limit {$1100.00}, charged-off balance {$1500.00} ) is reported as a charge-off. Despite this, I continue to receive unwanted collection communications. \nThis conduct violates 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires that debt collectors cease communication once a written request is made. \nI am requesting that the CFPB : Investigate JPMCBs handling of this account. \nRequire Chase to provide documentation showing their authority to continue collection efforts. \nEnsure that my rights under the FDCPA are enforced and that further violations cease. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-28T13:34:50.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"15590497","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-28T13:24:18.000Z","state":"FL","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  To : Consumer <em>Financial</em> Protection Bureau <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX Re : Complaint Against <em>JPMorgan</em> <em>Chase</em> Bank ( JPMCB Card Services ) Account Number ( last 4 ) : <em>XXXX</em> Company Address : XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX Dear CFPB, I am submitting this complaint regarding <em>JPMorgan</em> <em>Chase</em> Bank ( JPMCB Card Services ) and their handling of my credit card account."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[23.966024,"15590497"]},{"_index":"complaint-public-v1","_id":"14739042","_score":23.898827,"_source":{"product":"Credit card","complaint_what_happened":"I am requesting a full investigation into the JPMorgan Chase Bank , N.A . tradeline reporting on my credit report. \nThis account was closed with a balance and continues to report in a way that appears inaccurate, outdated, and potentially in violation of the Fair Credit Reporting Act ( FCRA ). \n\nSpecifically : - The account is closed, but the balance is still being factored into my utilization ratio as if it's revolving credit. This unfairly impacts my XXXX XXXX. \n- There has been no update to reflect my current payment status, and no proper explanation provided regarding the reporting method. \n- I have disputed this account with the credit bureaus, but they continue to verify it without providing complete, verifiable documentation from JPMorgan Chase Bank, XXXX.. \n- The credit bureaus are marking the account as verified without proof of accurate and complete data, which is a violation of 611 of the FCRA ( 15 U.S. Code 1681i Procedure in case of disputed accuracy ). \n\nThis negative tradeline is actively interfering with my ability to qualify for a mortgage and causing quantifiable financial harm. I am requesting : 1. Full verification and documentation of the accuracy of the reporting 2. Immediate correction or deletion of this account if it can not be verified with complete, accurate, and up-to-date information 3. A written explanation of how JPMorgan Chase Bank , N.A . is complying with the FCRA regarding this reporting If the account is not updated or removed within the legal timeframe, I reserve the right to pursue legal remedies under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). \n\nThis is now my final attempt at resolving this before involving legal representation.","date_sent_to_company":"2025-07-18T19:29:18.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"02895","tags":null,"has_narrative":true,"complaint_id":"14739042","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-18T19:25:55.000Z","state":"RI","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am requesting a full <em>investigation</em> into the <em>JPMorgan</em> <em>Chase</em> Bank , N.A . tradeline reporting on my credit report. \nThis account was closed with a balance and continues to report in a way that appears inaccurate, outdated, and potentially in violation of the Fair Credit Reporting Act ( FCRA ). \n\nSpecifically : - The account is closed, but the balance is still being factored into my utilization ratio as if it's revolving credit. This unfairly impacts my <em>XXXX</em> <em>XXXX</em>."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[23.898827,"14739042"]},{"_index":"complaint-public-v1","_id":"11361869","_score":23.78573,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this letter to formally request a full investigation into the financial practices of JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX, particularly regarding the handling of securities, as well as the resulting financial implication for consumers, including myself as well as their treatment of customers and their accounts. I sent a security registered mail to XXXX XXXX that was delivered XX/XX/XXXX with a communication instructing XXXX XXXX to properly redeem the instrument and credit my account noting that if he didnt have the authority to redeem the instrument to forward it to the Indenture Trustee. My account was not credited nor was the security returned to me. On XX/XX/XXXX I sent a copy of the security I had sent to XXXX XXXX registered mail to Chase XXXX XXXX Chase Card XXXX XXXX addressed to XXXX XXXX XXXX ( due to her signature being on SEC filing documents ). It was delivered XX/XX/XXXX. The copy of the security was accompanied by a communication informing her the original security was sent to XXXX XXXX which had not been redeemed nor had it been returned and instructed her to properly credit my account as well as provide me with the accounting pursuant to UCC 9-210 in accordance with GAAP and the Truth and Lending Act ( 15 U.S.C 1601 ). This also went unacknowledged. On XX/XX/XXXX I filed a CFPB complaint due to the lack of compliance in accordance with UCC 8-505 through UCC 8-508 which is securities fraud. In the complaint I requested the accounting pursuant to UCC 9-210 in accordance with GAAP done by a certified CPA as well as the security that I had sent returned to me if it was to be rejected and not credited to my account. The complaint was responded to on XX/XX/XXXX in which my complaint/concern of the handling of my securities was completely ignored as well as my requests for the accounting pursuant UCC 9-210 . On XX/XX/XXXX I sent, certified mail, letters revoking POA for each entity within Chases transaction structure ( Chase XXXX XXXX, JPMorgan Chase Bank, N.A., Chase Card XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. ) These were all delivered XX/XX/XXXX. Within each letter it was stated that a form XXXX had been properly filed with the IRS. I also sent on XX/XX/XXXX a security registered mail to XXXX XXXX XXXX XXXX office which was delivered XX/XX/XXXX. Again, this security was accompanied by a letter of instruction of the same nature as the others previously sent also requesting the accounting in accordance with GAAP on both the public and private side done by a certified CPA and my security returned if they were being rejected. I have not received the security nor any correspondence. I then received a call from JPMorgan Chases executive principal office about a complaint ( reference # XXXX ) that had reached their office. I originally thought this had to do with my securities. When I called back I was informed it was about my revocation of POA. The woman named XXXX said she had no idea why I was sending this ( being the POA revocation ) to Chase and also stated that there was no POA on file. I informed her that I was revoking JPMorgan Chases POA over my account even though she supposedly had no idea what I was talking about, that I wanted the Durable POA I had provided placed on my account as well as the revocation letter. That I now have the power as the agent over my person and am now the custodian over my account. I then told her that my account was being improperly handled and that JPMorgan Chase was fraudulently handling my securities. She then told me to send an email to an address that was provided to me about my issues regarding the securities. I sent the email on XX/XX/XXXX which detailed every letter I had sent, all the securities I had sent, informing Chase of the violations and their duty to act in accordance with UCC 8-505 through UCC 8-508 , informing CHASE of my rights as an entitlement holder, and my rights to the accounting pursuant UCC 9-210. Reiterating that CHASE has been committing securities fraud and violating their Indenture agreement that is on file with the SEC as well as being in breach of their fiduciary duties. I demanded a proper crediting of my account and requested again, the accounting in accordance with GAAP on both the public and private side done by a certified CPA. This email has gone unanswered. Prior to this on XX/XX/XXXX I sent JPMorgan XXXX XXXX address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a security registered mail that was delivered XX/XX/XXXX. On this security I had done a restrictive endorsement. I then received in the mail from JPMorgan at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a correspondence that said We are unable to accept the enclosed securities for your investment account ending in XXXX  We received the following stock/bond certificate ( s ) for deposit into your investment account it further states We are unable to accept this item for deposit into an investment account. This item is not transferable. With this response was the security that I had sent along with the instruction letter. I had also sent a security registered mail to JPMorgan XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX registered mail that was delivered on XX/XX/XXXX. This security was accompanied by a communication instructing JPMorgan XXXX to redeem the security and credit my account. It is now XX/XX/XXXX and my account has yet to be credited. Today on XX/XX/XXXX I emailed JPMorgan Chase executive principals office ( via an email address provided to me by XXXX ) a pre-arbitration email in which I also stated that I would be mailing the pre-arbitration letter to each entity listed herein. The email contained all my supporting documents. It was later today at around XXXX that I attempted to use my credit card and the transaction was declined. I called the number on the back of the card and they informed me my account had been shut down due to suspicious activity which they also had shut down my checking and savings account due to suspicious activity even though the debit card and savings account had never been used accept to put {$50.00} in both accounts to keep the account open. JPMorgan Chase is clearly retaliating against me due to the fact that I am asserting my rights and demanding what is owed to me. This is illegal and deeply concerning when in conjunction with the securities fraud, the breach of fiduciary duties and the unjust enrichment that has been occurring for months now. It has been since the inception of this account that I have been lawfully sending stock/bond certificates to JPMorgan Chase for proper redemption to proper crediting to my account. It has been since then that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud as well as acting in unfair, deceptive, and abusive ways and in breach of their fiduciary duties.\n\nIt is clear in JPMorgans correspondence that I have in fact been in possession of securities ( stock/bond certificates ). This fact is evidenced/validated by the forensic audit that traced my statements and the credit card receivables to CHASE XXXX XXXX XXXX Class A ( XXXX ) notes with the XXXX XXXX XXXXXXXX. UCC 8-501 defines a securities account as ( a ) \" Securities account '' means an account to which a financial asset is or may be credited in accordance with an agreement under which the person maintaining the account undertakes to treat the person for whom the account is maintained as entitled to exercise the rights that comprise the financial asset. ( b ) Except as otherwise provided in subsections ( d ) and ( e ), a person acquires a security entitlement if a securities intermediary : ( 1 ) indicates by book entry that a financial asset has been credited to the person 's securities account ; ( 2 ) receives a financial asset from the person or acquires a financial asset for the person and, in either case, accepts it for credit to the person 's securities account ; or ( 3 ) becomes obligated under other law, regulation, or rule to credit a financial asset to the person 's securities account. ( c ) If a condition of subsection ( b ) has been met, a person has a security entitlement even though the securities intermediary does not itself hold the financial asset. ( d ) If a securities intermediary holds a financial asset for another person, and the financial asset is registered in the name of, payable to the order of, or specially indorsed to the other person, and has not been indorsed to the securities intermediary or in blank, the other person is treated as holding the financial asset directly rather than as having a security entitlement with respect to the financial asset. UCC 9-102 defines Account as, means a right to payment of a monetary obligation, whether or not earned by performance, ( i ) for property that has been or is to be sold, leased, licensed, assigned, or otherwise disposed of, ( ii ) for services rendered or to be rendered, ( vii ) arising out of the use of a credit or charge card or information constrained on or for use with the card. UCC 8-102 defines a Security as an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of any issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations ; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets ; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. It defines Instruction as means a notification communicated to the issuer of an uncertificated security which directs that the transfer of the security be registered or that the security be redeemed. UCC 8-505 says, ( a ) A securities intermediary shall take action to obtain a payment or distribution made by the issuer of a financial asset. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to attempt to obtain the payment or distribution. ( b ) A securities intermediary is obligated to its entitlement holder for a payment or distribution made by the issuer of a financial asset if the payment or distribution is received by the securities intermediary. UCC 8-506 says, A securities intermediary shall exercise rights with respect to a financial asset if directed to do so by an entitlement holder. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary either places the entitlement holder in a position to exercise the rights directly or exercises due care in accordance with reasonable commercial standards to follow the direction of the entitlement holder. UCC 8-507 says, ( a ) A securities intermediary shall comply with an entitlement order if the entitlement order is originated by the appropriate person, the securities intermediary has had reasonable opportunity to assure itself that the entitlement order is genuine and authorized, and the securities intermediary has had reasonable opportunity to comply with the entitlement order. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to comply with the entitlement order. ( b ) If a securities intermediary transfers a financial asset pursuant to an ineffective entitlement order, the securities intermediary shall reestablish a security entitlement in favor of the person entitled to it, and pay or credit any payments or distributions that the person did not receive as a result of the wrongful transfer. If the securities intermediary does not reestablish a security entitlement, the securities intermediary is liable to the entitlement holder for damages. UCC 8-508 says, A securities intermediary shall act at the direction of an entitlement holder to change a security entitlement into another available form of holding for which the entitlement holder is eligible, or to cause the financial asset to be transferred to a securities account of the entitlement holder with another securities intermediary. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to follow the direction of the entitlement holder. UCC 8-401 says, ( b ) If an issuer is under a duty to register a transfer of a security, the issuer is liable to a person presenting a certificated security or an instruction for registration or to the person 's principal for loss resulting from unreasonable delay in registration or failure or refusal to register the transfer. There is clear and conclusive evidence that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud by willfully ignoring lawful instructions and requests with respect to the stock/bond certificates obtained by me in good faith, in which I am entitled to have properly redeemed and credited to my account in which every entity listed here is obligated and has the authority to handle in accordance with the law. \n\nIn addition to the clear violations of the law, JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in clear breach of the Trust Indenture on file with the SEC which defines a Holder means, when used with respect to any Note, a Noteholder. Defines Note or Notes means any note or notes of any Series, Class or Tranche authenticated and delivered from time to time under this Indenture. Defines Noteholder means a Person in whose name a Note is registered in the Note Register or the bearer of any Bearer Note ( including a Global Note in bearer form ), as the case may be. Section 3.07 Payment of Interest ; Interest and Principal Rights Preserved ; Withholding Taxes says, ( a ) Unless otherwise provided with respect to such Note pursuant to Section 3.01, interest payable on any Registered Note will be paid to the Person in whose name that Note ( or one or more Predecessor Notes ) is registered at the close of business on the most recent Record Date and interest payable on any Bearer Note will be paid to the bearer of that Note ( or the applicable coupon ). Section 3.08 Persons Deemed Owners says, Title to any Bearer Note, including any coupons appertaining thereto, shall pass by delivery. The Issuing Entity, the Indenture Trustee, the Owner Trustee, the Beneficiary, Chase USA and any agent of the Issuing Entity, the Indenture Trustee, the Owner Trustee, Chase USA or the Beneficiary may treat the Person who is proved to be the owner of such Note pursuant to subsection 1.04 ( c ) as the owner of such Note for the purpose of receiving payment of principal of and ( subject to Section 3.07 ) interest on such Note and for all other purposes whatsoever, whether or not such Note be overdue, and neither the Issuing Entity, the Indenture Trustee, the Owner Trustee, the Beneficiary, Chase USA nor any agent of the Issuing Entity, the Indenture Trustee, the Owner Trustee, Chase USA or the Beneficiary will be affected by notice to the contrary. Section 6.11 Unconditional Right of Noteholders to Receive Principal states and Interest ; Limited Recourse states, Notwithstanding any other provisions in this Indenture, the Holder of any Note will have the right, which is absolute and unconditional, to receive payment of the principal of and interest on such Note on the Legal Maturity Date specified in the related Indenture Supplement and to institute suit for the enforcement of any such payment, and such right will not be impaired without the consent of such Holder. Section 10.01 Payment of Principal and Interest says, With respect to each Series, Class or Tranche of Notes, the Issuing Entity will duly and punctually pay the principal of and interest on such Notes in accordance with their terms and this Indenture, and will duly comply with all the other terms, agreements and conditions contained in, or made in this Indenture for the benefit of, the Notes of such Series, Class or Tranche. In these sections of the Indenture Chase USA is to be replaced with JPMorgan Chase Bank , N.A . pursuant to the merger date of these two entities which occurred XX/XX/XXXX. \n\nFederal Reserve Act section 16 part 2 states Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district 12 U.S.C 1431 Powers and duties of banks says, ( a ) Borrowing money ; Issuing bonds and debentures ; General powers- Each XXXX XXXXXXXX XXXX XXXX  shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all the things necessary for carrying out the provisions of this chapter and all things incident thereto. Not only is it clear that JPMorgan Chase has provided me NO value, it is clear that I am the one providing ALL the value to JPMorgan. I provided my original application which is the security collateral for JPMorgan to get funding at an at par rate with the Treasury as well as the credit card receivables which I supply by use of MY credit that JPMorgan then sells for BILLIONS of dollars evidenced by the XXXX report. \n\nI am NOT gifting JPMorgan these assets. These assets generate value far greater than the debt incurred each month and due to the fact that I am the one providing the assets I retain an equitable interest in the proceeds generated pursuant to UCC 9-203. As a consumer I am protected under the Truth and Lending Act 15 U.S.C 1601 et seq. and have a right to transparency and equitable treatment in financial transactions. JPMorgan is profiting BILLIONS of dollars because of what I provide them, which is why I receive monthly stock/bond certificates that are to be credited to my account to offset the obligations I have incurred. In my attempt to properly claim the equity I am owed and my rights as a consumer JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have retaliated and conspired against my rights ( 18 U.S.C 241 ) violating principles of fair dealing and good faith under UCC 1-304 attempting to deceive and defraud me through blatant lies in regard to the nature of the securities I hold as well as steal the assets I have lawfully and legally obtained and have a right to, breaching their fiduciary duties and shutting down ALL of my accounts denying me my right to credit. The CFPB was explicitly created to protect the rights of consumers to be protected from unfair, deceptive, and abusive financial practices. These are egregious actions taken against a consumer who in good faith is asserting their rights under the law due to unjust enrichment that is validated by forensic data and the financial institutions own words.\n\n12 U.S.C 1833a Civil Penalties clearly states that ( a ) In general Whoever violates any provision of law to which this section is made applicable by subsection ( c ) shall be subject to a civil penalty in an amount assessed by the court in a civil action under this section. ( b ) Maximum amount of penalty 1 ) Generally The amount of the civil penalty shall not exceed {>= $1,000,000}. ( 2 ) Special rule for continuing violations In the case of a continuing violation, the amount of the civil penalty may exceed the amount described in paragraph ( 1 ) but may not exceed the lesser of {>= $1,000,000} per day or {>= $1,000,000}. ( 3 ) Special rule for violations creating gain or loss ( A ) If any person derives pecuniary gain from the violation, or if the violation results in pecuniary loss to a person other than the violator, the amount of the civil penalty may exceed the amounts described in paragraphs ( 1 ) and ( 2 ) but may not exceed the amount of such gain or loss. \n\nXXXX XXXX and JPMorgan Chase have been in continued violation for XXXX business days. Chase XXXX XXXX and XXXX XXXX XXXX has been in continued violation for XXXX business days. XXXX XXXX and XXXX XXXX as Indenture Trustee have been in continued violation for XXXX business days. It is evidenced above that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have derived pecuniary gain from these violations and I am experiencing an extreme loss. The failure on the financial institutions behalf to properly comply with the law has impacted my credit report which has shown that I have an incredibly high debt to income ratio which has impacted my ability to obtain other forms of credit explicitly being denied. It has also caused me to struggle to make ends meet due to the lack of available credit on my account, causing me to be delinquent on multiple obligations. Needing to go to extreme measures such as obtaining a forensic audit which cost {$2500.00}. This has caused me extreme stress, having to continuously stay up late into the night to find ways to force proper compliance as well as work longer hours due to being denied my right to credit. Closing my account has deprived me of my right to credit leaving me with no funds for food, gas and other basic needs. Every signature I give, and every credit or security I create is intrinsically tied to the divine and natural right to provide for myself and my family. Credit fuels opportunity and opportunity is my right. \n\nIt is the duty and obligation of JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. to act in accordance with the law. It is their fiduciary duty to act in my best interest, to properly handle my securities, to allow me access to my credit, to provide me the equity that I am truly owed. The forensic audit I had done on my account which the auditor is willing to testify to in a court of law, traced my statements and the credit card receivables to CHASE XXXX XXXX XXXX XXXX XXXX  ( XXXX ) notes with the XXXX XXXX XXXX. JPMorgan confirmed this by stating that I was in possession of stock/bond certificates. This is clear and conclusive evidence that 1. I am entitled to the payment of these securities. 2. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud. 3. I am owed equity due to the value I am providing per the credit card receivables. 4. JPMorgan Chase is retaliating against me asserting these rights by closing my account. 5. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in breach of their fiduciary duty. 5. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have acted in bad faith. 6. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have conspired with one another to financially injure, oppress, and intimidate me from exercising my rights secured for me by the laws of the United States. 7. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. actions have constituted unjust enrichment. 8 JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have violated consumer laws. 9. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in violation of consumer laws. \n\nThese are conclusive violations of the law and it is clear that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. believe that because they control access to consumers ' financial wellbeing that they can get away with acting in bad faith, abusing, deceiving, stealing and intimidating consumers when they seek to claim their rights or the equity owed to them under the law. It should be taken very seriously the extent to which they have gone to rob me of my rights and entitlements as a consumer and as the one loaning them securities that they profit billions of dollars off of. I implore the CFPB to alert the SEC of the securities fraud that has been committed by JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX","date_sent_to_company":"2025-01-03T04:23:43.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"598XX","tags":null,"has_narrative":true,"complaint_id":"11361869","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-03T03:58:50.000Z","state":"MT","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I am submitting this letter to formally request a full <em>investigation</em> into the <em>financial</em> <em>practices</em> of <em>JPMorgan</em> <em>Chase</em>, <em>JPMorgan</em> <em>XXXX</em>, <em>Chase</em> <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, particularly regarding the handling of securities, as well as the resulting <em>financial</em> implication for consumers, including myself as well as their treatment of customers and their accounts."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[23.78573,"11361869"]},{"_index":"complaint-public-v1","_id":"15222302","_score":23.767057,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the handling of my debt settlement case under the XXXX XXXX debt consolidation program and the actions of their assigned attorney, XXXX XXXX XXXX XXXX, XXXX. \n\nI enrolled in XXXX XXXX program under the impression that they and their assigned counsel would communicate clearly with me, provide all necessary details to make informed settlement decisions, and keep me updated on case progress. This has not happened. \n\nWhen I requested detailed settlement terms from attorney XXXX XXXX of XXXX XXXX XXXX as total payment amount, schedule, escrow usage, and legal consequencesI was told to simply select an option before being given the full details. I asked again for clarification, but it has now been 11 days with no response from XXXX XXXX. \n\nIn addition, XXXX XXXX XXXX has little to no accessible means of contact beyond a single email address and limited staff access. This creates a barrier to communication that has left me unable to get timely updates or essential case information. \n\nAdditional context : I have been informed that Chase JPMorgan, the creditor involved, has stated they can not provide my attorney, XXXX XXXX, with the detailed settlement information I have requested. This lack of cooperation from Chase JPMorgan has further obstructed my ability to understand and evaluate my settlement options. \n\nMore importantly, Chase JPMorgan has filed a lawsuit against me without my knowledge and despite my being enrolled in XXXX XXXX debt consolidation program intended to manage and resolve such debts. I was never notified of this legal action until after the suit was filed. \n\nDespite these issues, I believe XXXX XXXX and XXXX XXXX XXXX XXXX have a duty to ensure they receive all necessary information from creditors and communicate it to me in a timely manner. \n\nThis conduct raises the following concerns : 1. Lack of transparency : Refusing to disclose all settlement terms before I commit is unreasonable and prevents informed decision-making.\n\n2. Delayed and inadequate communication : Eleven days have passed without a response to my follow-up request for details. \n3. Barriers to access : XXXX XXXX XXXX provides minimal contact options and does not respond promptly to inquiries. \n4. Possible FDCPA violation : The Fair Debt Collection Practices Act prohibits deceptive practices, which includes withholding material settlement details.\n\n5. Basic contract law concern : I can not be forced to agree to terms I have not seen, yet I am being pressured to do so.\n\n6. Failure to notify : Chase JPMorgan filed a lawsuit against me without any prior notice or coordination with XXXX XXXX or myself, despite my active participation in a debt management program. \n\nThese actions have placed me at a severe disadvantage in my ongoing legal matter and have deprived me of the ability to make informed decisions about my financial and legal future. \n\nI request that the CFPB investigate : Whether XXXX XXXX and XXXX XXXX XXXX practices violate the FDCPA or other applicable laws. \nWhether they are engaging in deceptive or unfair practices by withholding material settlement details and making it difficult to contact them. \nWhether Chase JPMorgans filing of suit without notice violates applicable debt collection laws and contributed to the failure to manage my debt properly. \n\nI can provide all email records, program agreements, and related documentation upon request. \n\nSincerely, XXXX XXXXXXXX XXXX","date_sent_to_company":"2025-08-12T02:27:53.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"80134","tags":"Servicemember","has_narrative":true,"complaint_id":"15222302","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-12T02:06:32.000Z","state":"CO","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["I request that the CFPB <em>investigate</em> : Whether <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>practices</em> violate the FDCPA or other applicable laws. \nWhether they are engaging in deceptive or unfair <em>practices</em> by withholding material settlement details and making it difficult to contact them. \nWhether <em>Chase</em> <em>JPMorgans</em> filing of suit without notice violates applicable debt collection laws and contributed to the failure to manage my debt properly."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[23.767057,"15222302"]},{"_index":"complaint-public-v1","_id":"11284537","_score":23.574883,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/XXXX JPMorgan Chase Bank , N.A . \nXXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Complaint Regarding Fraudulent GAP Insurance on Vehicle Loan Dear Chase Representative, I am writing to formally address and dispute the terms of my vehicle loan for a XXXX XXXX XXXX financed on XX/XX/XXXX, under account number ending in XXXX. I have discovered that the dealership involved in this transaction fraudulently included GAP insurance in the loan terms, despite GAP insurance not being permitted for commercial vehicles. \n\nAt the time of purchase, the dealership misrepresented the necessity of GAP insurance, presenting it as a required part of the loan agreement. This misrepresentation constitutes fraudulent behavior. Furthermore, JPMorgan Chase Bank did not acknowledge the GAP insurance in the final loan expenses, even though it was paid as part of the transaction. This omission and lack of disclosure further contribute to the lack of transparency surrounding this loan. \n\nAs the GAP insurance was inappropriately added, and the dealership 's practices were deceptive, I am requesting the following : Investigation into the dealership 's practices related to this loan and the improper sale of GAP insurance. \nImmediate removal of the loan from my records, as it was established under fraudulent and misrepresented terms.\n\nRefund of any amounts paid toward the GAP insurance as it was not legally or contractually applicable to this vehicle.\n\nAttached to this letter are relevant documents, including details of the vehicle loan and terms. I believe these demonstrate the issues with the loan and GAP insurance.\n\nI request a timely response and resolution to this matter. Please contact me directly at XXXX or XXXX if you require additional information or documentation. \n\nThank you for your attention to this serious matter. I trust that Chase Bank will uphold its commitment to ethical financial practices and work with me to resolve this issue fairly.","date_sent_to_company":"2024-12-27T01:11:36.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"30314","tags":null,"has_narrative":true,"complaint_id":"11284537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-27T00:51:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with fees charged"},"highlight":{"complaint_what_happened":["Please contact me directly at <em>XXXX</em> or <em>XXXX</em> if you require additional information or documentation. \n\nThank you for your attention to this serious matter. I trust that <em>Chase</em> Bank will uphold its commitment to ethical <em>financial</em> <em>practices</em> and work with me to resolve this issue fairly."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[23.574883,"11284537"]},{"_index":"complaint-public-v1","_id":"16272059","_score":23.356497,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern, I am demanding an immediate investigation into JPMorgan Chase Bank for their abusive and unjustified closure of my account ( ending in [ XXXX ] ) on [ XX/XX/year> ]. Chase accused me of unexpected activity but has refused to provide proof, documentation, or any chance for me to dispute their claim. This is an outrageous and unacceptable practice for XXXX of the largest banks in the country. \n\nChases reckless decision has directly harmed me by [ list specific harms : missed bill payments, frozen paycheck, damage to my financial stability ]. This is not just an inconvenience it is financial abuse. Their vague reasoning and refusal to cooperate with me as a consumer shows a blatant disregard for transparency, fairness, and federal consumer protection standards. \n\nI demand the CFPB compel Chase to : XXXX. Produce a written, detailed explanation for why my account was closed. \n\n\nXXXX. Release all of my funds without delay. \n\n\nXXXX. Provide written confirmation that they will not report negative information to ChexSystems, credit bureaus, or any other institution. \n\n\n\nChases behavior is arbitrary, harmful, and possibly discriminatory. Consumers should not live in fear that their bank will terminate access to their own money without cause or explanation. I expect the CFPB to take this complaint seriously and hold Chase accountable for these abusive practices. \n\nSincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ]","date_sent_to_company":"2025-09-30T14:15:22.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"128XX","tags":null,"has_narrative":true,"complaint_id":"16272059","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-30T14:00:55.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am demanding an immediate <em>investigation</em> into <em>JPMorgan</em> <em>Chase</em> Bank for their abusive and unjustified closure of my account ( ending in [ <em>XXXX</em> ] ) on [ XX/XX/year> ]. <em>Chase</em> accused me of unexpected activity but has refused to provide proof, documentation, or any chance for me to dispute their claim. This is an outrageous and unacceptable <em>practice</em> for <em>XXXX</em> of the largest banks in the country."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[23.356497,"16272059"]},{"_index":"complaint-public-v1","_id":"15879086","_score":22.919561,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/or Office of the Comptroller of the Currency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against JPMorgan Chase Bank, N.A. Wrongful Refusal to Honor Settlement Check To Whom It May Concern : I am submitting this formal complaint against JPMorgan Chase Bank, N.A. ( Chase ) for its refusal to honor a valid settlement check payable to me in the amount of {$100000.00}, despite my providing multiple forms of identification and a notarized affidavit verifying my identity. \n\nFacts : On XXXX, I presented my {$100000.00} settlement check at XXXX XXXX. \nChase refused to cash/deposit the check because my Drivers License identifies me as XXXX XXXX XXXX XXXX XXXX while my Social Security card identifies me as XXXX XXXX XXXX XXXX \nBoth names refer to me, and to resolve this clerical variation, I executed a notarized Affidavit of One and the Same Person confirming that I am the sole payee.\n\nDespite this, Chase has continued to refuse to honor the check, effectively denying me access to my own settlement funds. \n\nIssues : Chases refusal constitutes an unfair and unreasonable banking practice, and may violate : The Expedited Funds Availability Act ( 12 U.S.C. 4001 et seq. ) The Equal Credit Opportunity Act and other consumer protection laws State and federal regulations requiring banks to act in good faith and not unreasonably deny customers access to their funds. Why would Chase open an account that requires high fees that generate more fees for them at the same time causing injury to me knowing that I have to have a minimum of XXXX or pay a huge monthly fee. \n\nRelief Requested : I respectfully request that your office investigate this matter and compel Chase to : XXXX. Immediately honor and process my {$100000.00} settlement check. \nXXXX. Confirm that the attached notarized affidavit and identification documents are sufficient to verify my identity. \nXXXX. Implement corrective measures to prevent Chase from arbitrarily denying consumers access to settlement funds in similar cases. \n\nEnclosed with this complaint are copies of : XXXX. The notarized Affidavit of One and the Same Person 2. My Drivers License ( XXXX XXXX XXXX XXXX ) XXXX. My Social Security card ( XXXX XXXX XXXX ) XXXX. The settlement check payable to me XXXX. Cover letter sent to JPMorgan Chases branch XXXX requesting resolution I request prompt investigation and a written response regarding the outcome of this complaint. \nSincerely, - XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. \n\nEnclosures","date_sent_to_company":"2025-09-11T17:45:24.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"91605","tags":"Servicemember","has_narrative":true,"complaint_id":"15879086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-11T17:21:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Cashing a check"},"highlight":{"complaint_what_happened":["<em>XXXX</em> Consumer <em>Financial</em> Protection Bureau <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and/or Office of the Comptroller of the Currency <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Re : Complaint Against <em>JPMorgan</em> <em>Chase</em> Bank, N.A."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[22.919561,"15879086"]},{"_index":"complaint-public-v1","_id":"14510764","_score":22.77408,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to file a formal complaint against JPMorgan Chase Bank , N.A . regarding the sudden and unexplained closure of all my bank accounts and the immediate termination of my over XXXX financial relationship with the institution. \n\nOn XX/XX/year>, at approximately XXXX XXXX., I received a text message and an email from Chase instructing me to call the bank. Upon doing so, I was informedwithout prior notice or adequate explanationthat Chase had decided to close all of my accounts and end its financial relationship with me. I was told that no further details could be provided. I spoke with XXXX representatives by phone, neither of whom offered any clarity or assistance. \n\nOn XX/XX/XXXX, I visited a local Chase branch to speak with a representative in person, hoping to resolve the issue or at least understand it. Despite the branch representatives effort, he too was unable to reverse the closure or explain the banks reasoning. \n\nThis action by Chase has caused serious and immediate harm. I recently received my paycheck, deposited a XXXX ( k ) rollover check, and cashed out another XXXX ( k ) to cover significant expenses related to an ongoing eviction proceeding involving a tenant, as well as recent unexpected health issues. Accessing these funds required paying early withdrawal penalties and taxes. The account closures have left these critical funds in limbo and me unable to meet urgent financial obligations. \n\nEven more distressing is that my child support payments are deposited into these accounts, and my mortgagealso held with Chaseis paid through them. I am now unable to make my mortgage payment, and because of the closure I have been unable to open a new account at another financial institution. This has left me completely locked out of the banking system, despite having done nothing wrong to warrant such action. \n\nGiven the XXXX  and unexplained nature of Chases decision, I respectfully request that the Office of the Comptroller of the Currency investigate this matter to determine whether JPMorgan Chase has complied with all applicable banking regulations, including those governing account closures, consumer protection, and fair lending/servicing practices. \n\nI am prepared to provide any supporting documentation or further details upon request. Your attention and intervention in this matter is urgently needed and greatly appreciated.","date_sent_to_company":"2025-07-07T23:32:53.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"14510764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-07T23:29:01.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["I am writing to file a formal complaint against <em>JPMorgan</em> <em>Chase</em> Bank , N.A . regarding the sudden and unexplained closure of all my bank accounts and the immediate termination of my over <em>XXXX</em> <em>financial</em> relationship with the institution. \n\nOn XX/XX/year>, at approximately <em>XXXX</em> <em>XXXX</em>., I received a text message and an email from <em>Chase</em> instructing me to call the bank."],"company":["<em>JPMORGAN</em> <em>CHASE</em> & CO."]},"sort":[22.77408,"14510764"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":136,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":136}]}},"product":{"doc_count":136,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":56,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":49},{"key":"Other banking product or service","doc_count":6},{"key":"Savings account","doc_count":1}]}},{"key":"Credit card","doc_count":34,"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":33},{"key":"Store credit card","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":5},{"key":"I do not know","doc_count":4},{"key":"Mortgage debt","doc_count":3}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":9}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":4},{"key":"Mobile or digital wallet","doc_count":2},{"key":"Virtual currency","doc_count":2},{"key":"International money transfer","doc_count":1}]}},{"key":"Mortgage","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Home equity loan or line of credit (HELOC)","doc_count":3},{"key":"Conventional home mortgage","doc_count":2},{"key":"Conventional fixed mortgage","doc_count":1},{"key":"Other mortgage","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":5}]}},{"key":"Credit card or prepaid card","doc_count":3,"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":3}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":1}]}}]}},"issue":{"doc_count":136,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":33,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and 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