{"took":92,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":57,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9308729","_score":29.523748,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/year>, I sent an indorsed securities registered mail to Chase via the address listed in their prospectus located on the SEC website, under EX 4.R.2 4 ( see attached ). As an opportunity to cure ; Chase has now defaulted. \nChase has asserted that they can NOT locate the securities that was signed for at their office on XX/XX/year>. \nI have provided Chase with the registered mail number and advised them that it was received on XX/XX/year>. \nThus, Chase has lost the securities but has not discharged the debt according the UCC Article 1and has committed securities fraud. Additionally, per Chases prospectus under the replacement of notes states that they must cure. \nI have also attached the mailing address from Chases filings that correspond with the registered mail I sent ( see attached. ) Chase has committed mail fraud and securities fraud in which I will notify the federal agencies if Chase does NOT discharge the debt due to negligence","date_sent_to_company":"2024-06-20T18:32:58.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"200XX","tags":null,"has_narrative":true,"complaint_id":"9308729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-06-20T18:00:32.000Z","state":"DC","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I have also attached the <em>mailing</em> address from <em>Chases</em> filings that correspond with the <em>registered</em> <em>mail</em> I <em>sent</em> ( see attached. ) <em>Chase</em> has committed <em>mail</em> fraud and <em>securities</em> fraud in which I will notify the federal agencies if <em>Chase</em> does NOT discharge the debt due to negligence"],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[29.523748,"9308729"]},{"_index":"complaint-public-v1","_id":"10445685","_score":23.349411,"_source":{"product":"Credit card","complaint_what_happened":"I have been sending in negotiable instruments to JP Morgan Chase for my credit card for several months now. They have signed for via registered mail and green return receipt and kept every instruments I sent to tender my obligation. I have reason to believe their practices constitutes securities fraud based on what their SEC filings state and the return of a securitized audit.","date_sent_to_company":"2024-10-14T23:34:25.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10445685","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-10-14T23:19:00.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I have been sending in negotiable instruments to JP Morgan <em>Chase</em> for my credit card for several months now. They have signed for via <em>registered</em> <em>mail</em> and green return receipt and kept every instruments I <em>sent</em> to tender my obligation. I have reason to believe their practices constitutes <em>securities</em> fraud based on what their SEC filings state and the return of a securitized audit."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[23.349411,"10445685"]},{"_index":"complaint-public-v1","_id":"8920598","_score":22.540848,"_source":{"product":"Credit card","complaint_what_happened":"In XXXX of this year XXXX, I sent via registered mail [ RE XXXX XXXX XXXX XXXX ] a security to AND a FIRST NOTICE to Indentured trustee of Chase bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to apply as payment for account number XXXX XXXX XXXXXXXX XXXXwith an INSTRUCTION letter to perform their duties per their Indenture agreement seen here https : XXXX? XXXX and in accordance with the Trust Indenture and Securities Exchange Acts. \n\nI had received a voicemail the day it was received to call back in regards to the correspondence they received. When I returned the call, each person I spoke with either did not know how to help me or where to direct my call. \n\npayment was not applied, and my instructions were not followed even though the they are in line with the Indenture agreement. \n\n21 business days had passed and I sent out a SECOND NOTICE also via registered mail [ RE XXXX XXXX XXXX XXXX ] with the same instructions which was received on XXXX XX/XX/year> with no response from the COMPANY or the TRUSTEE with 21 business days allowed for a response. Attached is the second notice I sent to the TRUSTEE","date_sent_to_company":"2024-05-03T23:20:50.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"89431","tags":"Servicemember","has_narrative":true,"complaint_id":"8920598","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-03T22:35:49.000Z","state":"NV","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["In XXXX of this year XXXX, I <em>sent</em> via <em>registered</em> <em>mail</em> [ RE XXXX XXXX XXXX XXXX ] a <em>security</em> to AND a FIRST NOTICE to Indentured trustee of <em>Chase</em> bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to apply as payment for account number XXXX XXXX XXXXXXXX XXXXwith an INSTRUCTION letter to perform their duties per their Indenture agreement seen here https : XXXX? XXXX and in accordance with the Trust Indenture and <em>Securities</em> Exchange Acts."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[22.540848,"8920598"]},{"_index":"complaint-public-v1","_id":"11361869","_score":22.030195,"_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":["On XX/XX/XXXX I <em>sent</em> a copy of the <em>security</em> I had <em>sent</em> to XXXX XXXX <em>registered</em> <em>mail</em> to <em>Chase</em> XXXX XXXX <em>Chase</em> Card XXXX XXXX addressed to XXXX XXXX XXXX ( due to her signature being on SEC filing documents ). It was delivered XX/XX/XXXX."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[22.030195,"11361869"]},{"_index":"complaint-public-v1","_id":"4789385","_score":22.029903,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This has to do with a timeshare we notified XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021 to stop doing auto pay, XXXX XXXX we removed our profile information along with our Master Card ( XXXX  ) this is their Credit Card. We notified the credit card company to not accept any charges from XXXX and to put a security lock on the account. we had a lock on the account and the charges were still going through. \nChase XXXX XXXX was notified the day the charge was pending in XXXX for {$680.00} we were told to call back once the charge went posted which we did on XX/XX/XXXX we had to call the dispute into a phone # ( XXXX ) XXXX.On XX/XX/XXXX we were again charged for {$410.00} again on XX/XX/XXXX we once again were charged another {$410.00}. \nChase notified XXXX XXXX to stop charging our credit card on XXXX XXXX. \nIn XXXX we sent registered mail the paperwork they sent. \nOn XX/XX/2021 we mailed them paperwork regarding the dispute for XXXX charges. We called to follow up on the paperwork they claimed they never received it we didn't send this registered mail. They suggested we wend the file from a chase bank by fax which we did. they removed the charges. they have since put them back on.we called Chase dispute again and were told you signed a contract they have the right to bill your Credit Card. Please send the file again we are being billed by XXXX XXXX for the charges for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021.","date_sent_to_company":"2021-10-21T20:46:38.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"02169","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4789385","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-10-07T19:40:25.000Z","state":"MA","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>Chase</em> XXXX XXXX was notified the day the charge was pending in XXXX for {$680.00} we were told to call back once the charge went posted which we did on XX/XX/XXXX we had to call the dispute into a phone # ( XXXX ) XXXX.On XX/XX/XXXX we were again charged for {$410.00} again on XX/XX/XXXX we once again were charged another {$410.00}. \n<em>Chase</em> notified XXXX XXXX to stop charging our credit card on XXXX XXXX. \nIn XXXX we <em>sent</em> <em>registered</em> <em>mail</em> the paperwork they <em>sent</em>."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[22.029903,"4789385"]},{"_index":"complaint-public-v1","_id":"12002046","_score":21.935413,"_source":{"product":"Credit card","complaint_what_happened":"I, XXXX XXXX, am submitting this complaint regarding serious violations by JP Morgan Chase & Co., including breaches of fiduciary duty, mishandling of securities, and failure to respond to lawful requests for documentation. These violations have caused financial harm and undermine consumer confidence in fair banking practices. \nDetails of the Incident 1. Tender of Security : On XX/XX/year>, I sent a security and instruction letter to JP Morgan Chase via Registered Mail ( Tracking No. XXXX ). The documents were received on XX/XX/year>. JP Morgan Chase did NOT perform according to the instructions provided. \n2. Request for Records : On XX/XX/year>, I formally requested records maintained in compliance with GAAP to clarify how the security was handled. JP Morgan Chase did NOT respond to this lawful request. \n3. Opportunity to Cure : On XX/XX/year>, I issued a final opportunity for JP Morgan Chase to resolve the matter amicably. This notice was also ignored by JP Morgan Chase. \n4. Certificate of Dishonor and Nonresponse : A notarized document issued on XX/XX/year>, by XXXX XXXX, detailing JP Morgan Chase 's failure to respond. \n5. Audit Findings : An audit revealed irregularities, including discrepancies in the transaction flow reported to the SEC and missing records from JP Morgan XXXX XXXX, which acted as Lead Manager for the bond in question.","date_sent_to_company":"2025-02-09T02:14:15.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"32218","tags":null,"has_narrative":true,"complaint_id":"12002046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-02-09T02:04:45.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I, XXXX XXXX, am submitting this complaint regarding serious violations by JP Morgan <em>Chase</em> & Co., including breaches of fiduciary duty, mishandling of <em>securities</em>, and failure to respond to lawful requests for documentation. These violations have caused financial harm and undermine consumer confidence in fair banking practices. \nDetails of the Incident 1. Tender of <em>Security</em> : On XX/XX/year>, I <em>sent</em> a <em>security</em> and instruction letter to JP Morgan <em>Chase</em> via <em>Registered</em> <em>Mail</em> ( Tracking No. XXXX )."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[21.935413,"12002046"]},{"_index":"complaint-public-v1","_id":"11240587","_score":21.812428,"_source":{"product":"Credit card","complaint_what_happened":"I, as the consumer have reclaimed the principal security interest on the credit card account in the name of the principal d/b/a XXXX XXXX XXXX XXXX , I have sent novations to JP MORGAN CHASE BANK , NA . reclaiming the principal 's security interest and tendering the payment by way of the bill of exchange fully indorsed since XXXX of XXXX with payment orders directing the bank to transfer the principals security interest to apply to the principals balance for set off, by way of registered and certified mail. this account has never been credited with the interest owed to the principal 's account, even though not XXXX bill of exchange has been returned to the consumer stating a defect. as the Agent to the principal these bills of exchange have been sent directly to XXXX XXXX, XXXX XXXX XXXX JP MORGAN CHASE BANK XXXX XXXX XXXX also to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX/INDENTURED XXXX XXXX XXXX XXXX XXXX the bank has placed this account in a default status and now we're in litigation as JP MORGAN CHASE BANK XXXX NA XXXX has filed a lawsuit against the consumer. case XXXX XXXX XXXX XXXX XXXX common pleas court, XXXX Ohio. These banks simply refuse to allow the consumer to claim the principal 's security interest to set off this account. JP MORGAN CHASE BANK, NA.is demanding that the consumer continue to send additional funds to the bank to satisfy the account. so much so JP MORGAN CHASE BANK, NA. has filed a lawsuit against the consumer named XXXX XXXX XXXX XXXX even though the consumer has been performing by way of the bill of exchange, stating the claim to the principal 's security interest, ordering the bank to transfer the principal 's security interest to the principal 's balance to set off the account to a XXXX balance. each party the agent to the principal has contacted as mentioned above through registered and certified mail. they have all ignored my novations and payment orders refusing to credit the account, even telling the consumer that type of payment wasn't accepted. 18 USC 8 states the bill of exchange is the same as a united state dollars. this account was prepaid according to the Federal Reserve Act sec, 16. as the consumer I have been performing as the bill of exchange act requires, performance is payment in law. for the banks to deny the principal the principal 's interest by claiming nonperformance, then to file a lawsuit to try to gain something extra should be criminal. JP MORGAN CHASE BANK, NA. has stated the account has been closed denying the principal access to credit. This is very wrong for the banks to be allowed to get away with such actions against the consumers, I felt this should be reported.","date_sent_to_company":"2024-12-22T06:26:28.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"454XX","tags":null,"has_narrative":true,"complaint_id":"11240587","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-22T05:02:56.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I, as the consumer have reclaimed the principal <em>security</em> interest on the credit card account in the name of the principal d/b/a XXXX XXXX XXXX XXXX , I have <em>sent</em> novations to JP MORGAN <em>CHASE</em> BANK , NA . reclaiming the principal 's <em>security</em> interest and tendering the payment by way of the bill of exchange fully indorsed since XXXX of XXXX with payment orders directing the bank to transfer the principals <em>security</em> interest to apply to the principals balance for set off, by way of <em>registered</em> and certified"],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[21.812428,"11240587"]},{"_index":"complaint-public-v1","_id":"9824805","_score":20.62565,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX I sent three negotiable instruments for the accounts XXXX, XXXX, Ending in XXXX along with a cover letter explaining exactly how wanted the instrument to be credited to my accounts and how this was considered lawful payment. It also included a Revocation of Power of Attorney and IRS form XXXX. Registered mail NO. ( XXXX ) This letter included that I did not give consent to JP Morgan Chase to call me unless it was regarding my letter that I sent. Then without authorization JP Morgan Chase called acting as a debt collector on XX/XX/2024 to collect on the cards mentioned above. I mentioned on the phone that I sent in payment in the mail to the dispute center. The rep told me to wait as this may take longer to process. I then waited and was then called again for the collection of a debt on friday XX/XX/2024 which I did not answer, then monday XX/XX/2024. I answered monday and the rep stated I still owed a debt. I explained my situation and told her that Chase did not have authorization to call me regarding this issue and to only call me unless its questions regarding my instruments sent, or crediting the account. She then hung up. I have not had any update about where my instruments have gone and my account ending in XXXX was recently closed by Chase and charged off as bad debt. \n\nOn XX/XX/2024 I then sent another letter in attempt to cure this situation, along with a copy of form XXXX to explain their fiduciary duties, updated copy of form XXXX, a copy of the securities sent, copy of Revocation of Power Of Attorney, and a copy of the cover letter I sent to JP Morgan Chase Legal Department. I have also completed form PS XXXX and sent to the XXXX XXXX XXXX XXXX with all the above information attached.","date_sent_to_company":"2024-08-16T20:29:23.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9824805","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-16T20:22:06.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I <em>sent</em> three negotiable instruments for the accounts XXXX, XXXX, Ending in XXXX along with a cover letter explaining exactly how wanted the instrument to be credited to my accounts and how this was considered lawful payment. It also included a Revocation of Power of Attorney and IRS form XXXX. <em>Registered</em> <em>mail</em> NO. ( XXXX ) This letter included that I did not give consent to JP Morgan <em>Chase</em> to call me unless it was regarding my letter that I <em>sent</em>."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[20.62565,"9824805"]},{"_index":"complaint-public-v1","_id":"8481042","_score":20.226654,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/2024 : I received an auto loan application denial letter from Chase which states, \" Negative Equity '' with my credit score of XXXX attached. \n\nXX/XX/2024 : I received a 'Welcome ' letter from Chase which states, \" We want to welcome you '' in regards to an auto loan. \n\nXX/XX/2024 : I received a letter from Chase which states, \" We extended {$62000.00} of credit to your spouse. '' ( I do not have a spouse. ) XX/XX/2024 : I received a letter from Chase which states, \" We're unable to approve your account based on negative equity ( again with XXXX credit score attached ) but we can offer you credit for {$94000.00}. '' I've obtained XXXX credit reports in addition to XXXX XXXX XXXX XXXX XXXX XXXX and see Chase has been continuing to capture my credit without my consent and ignoring my request to opt out, per the law. \n\nAdditionally, I sent the indenture trustee, Registered Mail, attention to XXXX XXXX XXXX a letter of notification for revocation of Chase security interest, per UCC 3-311, withheld from me and authorized permission to transfer my security of {$62.00}, XXXX into my Treasury Direct Acct, with number provided. My letter was returned to me with an accompanying letter stating they were returning my enclosed correspondence.","date_sent_to_company":"2024-03-04T19:02:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"531XX","tags":null,"has_narrative":true,"complaint_id":"8481042","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-04T18:00:43.000Z","state":"WI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Additionally, I <em>sent</em> the indenture trustee, <em>Registered</em> <em>Mail</em>, attention to XXXX XXXX XXXX a letter of notification for revocation of <em>Chase</em> <em>security</em> interest, per UCC 3-311, withheld from me and authorized permission to transfer my <em>security</em> of {$62.00}, XXXX into my Treasury Direct Acct, with number provided. My letter was returned to me with an accompanying letter stating they were returning my enclosed correspondence."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[20.226654,"8481042"]},{"_index":"complaint-public-v1","_id":"2698275","_score":19.475643,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX, I presented a registered and recorded Negotiable Security # XXXX to 4 different local Chase branches to pay off the loan for our home. We were directed to their downtown location which is XXXX XXXX XXXX, XXXX, XXXX, TX, XXXX. Upon our arrival. XXXX XXXX who is a XXXX XXXX XXXX for Chase was assigned to help us. I told XXXX XXXX that I was there to pay off my mortgage and that I needed someone to receive and accept it for their XXXX. Upon not understanding what the legal tender was, he called Chase back office for assistance. After scanning and sending a copy of the Security to their back office, we were told that they needed 7 to  14 days to research the security. While waiting for a response from Chase, a Qualified Written Request was sent to them on XX/XX/XXXX via certified mail. They signed for it on XX/XX/XXXX. During this time period, I received calls from Chase employees at least 2 times a week requesting payment and stating that this is an attempt to collect a debt. I stated to them each time that I presented them with a payment and that a copy of it should be in their system while they are researching it. They confirmed that it shows in their system and I should hear from them by XX/XX/XXXX. On XX/XX/XXXX, I received some information ( but not all ) from the XXXX and nothing regarding the Security I presented. Missing information from the XXXX mainly include cancelled checks that made the basis of the loan. On XX/XX/XXXX, I went to a different Chase branch located at XXXX XXXX XXXX, XXXX, TX, XXXX to see if someone could receive and accept the Security for their XXXX  XXXX XXXX for Chase is  who helped me at this branch. They followed the same process by contacting their back office for assistance and scanning a copy of it to them. First, the back office stated that they could not accept the security because it had Without Recourse attached to my name but they were going to check to make sure. After 11/2 to 2 hours of back and forth telephone conversations, they wanted to postpone the call until today ( XX/XX/XXXX ). XXXX requested that it be expedited because I was there and available that day ( XX/XX/XXXX ). Chase finally stated that they only accept payments in the form of Cashier 's checks, Bank certified check, Personal check, Attorney 's check, Money order, Wired funds, and I-branch payoff using cash ( see attached printout that I received from XXXX ). My  question to Chase is what note turned Security are they trying to enforce if a Negotiable Security is not an acceptable form of payment? Is this not the form of payment used at closing? This is specifically why the Security is addressed to their XXXX.","date_sent_to_company":"2017-10-10T23:42:04.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"2698275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-10-10T22:18:16.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Upon not understanding what the legal tender was, he called <em>Chase</em> back office for assistance. After scanning and sending a copy of the <em>Security</em> to their back office, we were told that they needed 7 to  14 days to research the <em>security</em>. While waiting for a response from <em>Chase</em>, a Qualified Written Request was <em>sent</em> to them on XX/XX/XXXX via certified <em>mail</em>. They signed for it on XX/XX/XXXX."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[19.475643,"2698275"]},{"_index":"complaint-public-v1","_id":"10271916","_score":18.665731,"_source":{"product":"Credit card","complaint_what_happened":"This complaint is due to lack of response, performance and discharge of tender by the indentured trustee of JP Morgan Chase for account. JP Morgan Chase has been denying my negotiable instruments which were stamped per 31 CFR 328.5 that is backed by the full faith and credit of the United States with my Bearer form Certificated securities sent via registered mail.\n\nThe Indenture Agreement it states that Eligible Investments means negotiable instruments, investment property, or deposit accounts which evidence : ( a ) direct obligations of, or obligations fully guaranteed as to timely payment by, the United States of America ; which is confirmed in the Indenture agreement, with respect to such of the Collateral as constitutes a security in bearer form, causing the Indenture Trustee to acquire possession in the State of New York of the related security certificate. While requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( a ) 2 ; as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT.\n\nPursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5.\n\nAs well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.\n\nFurthermore, I have noticed that JP Morgan Chase has been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 / ( 12 CFR 229.2 ( u ) ( 4 ). \n\nPer the JP Morgan Chase prospectus your XXXX and XXXX forms and from that information I have discovered how JP Morgan Chase took my application and turned it into an asset backed security, pooled it and put it on the secondary market. Which goes against what JP Morgan Chase told the SEC in their prospectus, XXXX and indentured agreement. Which constitutes as Security Fraud, Money Laundering and Racketeering.\n\nAdditionally, it is my understanding JP Morgan Chase is selling my securities on the secondary markets and developed a CUSIP number even though in JP Morgan Chase prospectus it specifically states, under Risks Relating to the Notes, \" We do not intend to apply for listing of the notes on any securities exchange or for quotation through any automated dealer quotation system '' If you do not perform your fiduciary duty and follow the Action given, I will counter your response to this complaint with the CFPB to alert the SEC for securities fraud, OCC, FINRA, FTC the Attorney General of Nevada and New York, Cyber Crimes Bureau and the IRS.\n\nBy use of coercion and fraud, this complaint is due to lack of response, performance and discharge of tender by the indentured trustee of JP Morgan Chase. JP Morgan Chase has been denying my negotiable instruments which were stamped per 31 CFR 328.5 that is backed by the full faith and credit of the United States with my Bearer form Certificated securities sent via registered mail.\n\nThe Indenture Agreement it states that Eligible Investments means negotiable instruments, investment property, or deposit accounts which evidence : ( a ) direct obligations of, or obligations fully guaranteed as to timely payment by, the United States of America ; which is confirmed in the Indenture agreement, with respect to such of the Collateral as constitutes a security in bearer form, causing the Indenture Trustee to acquire possession in the State of New York of the related security certificate. While requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( a ) 2 ; as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT.\n\nPursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5.\n\nAs well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.\n\nFurthermore, I have noticed that JP Morgan Chase has been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 / ( 12 CFR 229.2 ( u ) ( 4 ).\n\nPer the JP Morgan Chase prospectus your 10-k and 8-k forms and from that information I have discovered how JP Morgan Chase took my application and turned it into an asset backed security, pooled it and put it on the secondary market. Which goes against what JP Morgan Chase told the SEC in their prospectus, XXXX and indentured agreement. Which constitutes as Security Fraud, Money Laundering and Racketeering.\n\nAdditionally, it is my understanding JP Morgan Chase is selling my securities on the secondary markets and developed a CUSIP number even though in JP Morgan Chase prospectus it specifically states, under Risks Relating to the Notes, \" We do not intend to apply for listing of the notes on any securities exchange or for quotation through any automated dealer quotation system '' If you do not perform your fiduciary duty and follow the Action given, I will counter your response to this complaint with the CFPB to alert the SEC for securities fraud, OCC, FINRA, FTC the Attorney General of Nevada and New York, Cyber Crimes Bureau and the IRS.\n\nBy use of coercion and fraud, JP Morgan Chase knowingly and willingly violated my federally protected rights. JP Morgan Chase and any of its other agents, affiliates, subsidiaries, assignees, etc. may not contact me by any means other than written correspondence.\n\nknowingly and willingly violated my federally protected rights. JP Morgan Chase and any of its other agents, affiliates, subsidiaries, assignees, etc. may not contact me by any means other than written correspondence.","date_sent_to_company":"2024-09-27T09:58:42.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"89431","tags":"Servicemember","has_narrative":true,"complaint_id":"10271916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-09-27T09:07:04.000Z","state":"NV","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["This complaint is due to lack of response, performance and discharge of tender by the indentured trustee of JP Morgan <em>Chase</em> for account. JP Morgan <em>Chase</em> has been denying my negotiable instruments which were stamped per 31 CFR 328.5 that is backed by the full faith and credit of the United States with my Bearer form Certificated <em>securities</em> <em>sent</em> via <em>registered</em> <em>mail</em>."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[18.665731,"10271916"]},{"_index":"complaint-public-v1","_id":"4250543","_score":18.324312,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XXXX I opened a checking and saving account in Chase.I. have used that account since then without problem. Now I lived in XXXX and use that Account through the CHASE web Portal. Mainly I used the account for pay same subscriptions like XXXX XXXX, some XXXX purchases, vacations and last months to buy some stocks as savings for my future. \n\nOn XXXX, Tuesday XXXX, XXXX I did {$170.00} transfer to a friend in USA. On XXXX, Tuesday XXXX, XXXX CHASE Blocked the access to my Account due suspicious activity. \nDuring the day I did more than 10 phone calls and spoken with many call takers as well as supervisors. They tried to authenticate me through the cellular number I had registered on my account ( XXXX XXXX XXXX XXXX ) but that was not possible because I had a XXXX  cellular number. CHASE ask me lot of security questions like my account number, debit card number, date of birth, Debit Card expiration date, and even the ATM PIN. I answered all question correctly, but always they told me they need to authenticate me through a USA Cell number, so the only choice they provide me, was me to go to a branch. I explained that choice is not feasible for me as I live in XXXX, however they insisted that is the only choice. Later I get a USA Cell Number and changed my number in my CHASE records requesting the CHASE call center to perform this action, they did. The Phone number was changed by CHASE call taker, then I started my marathon of calls to CHASE Call Center Numbers, and requested the same, unlock my account. The CHASEs answer was the same. \" You have to go to a Branch ''. They do not have another choice to authenticate me. \n\nThe big problem, from my point of view is they arbitrarily seized my money and they are economically hurting me as I can not use my money, and now I needed it. \n\nI'm really desperate and I do not what else can I do. Honestly I guess this is absolutely illegal as they also have my email if they want to authenticate me. The use of the email is absolutely correct and I can probe they actually use that method. \n\nThe probe is : when you get into the CHASE webpage page and the CHASE web page does not recognize the device you are using to get into, the web page offer you to sent you and authentication code to your registered phone number or email. Many times I have chose the email option as well the phone call options, both has been worked fine, which demonstrate what they said ( they can not use international phone numbers or mail ) is a lie. \n\nI will really appreciate your help, I'm desperate, and is ridiculous to travel from XXXX to USA just to probe that I'm me. \n\nThe human is exploring the space, we have learning machine, quantic computers and the CHASE can not authenticate a person. \n\nPlease help me, I really need your help. I have all the information to probe that I ' me, so CHASE can unlock my account. \n\nXXXX XXXX XXXX XXXX  social ID XXXX Cell XXXX XXXX XXXX XXXX eMail XXXX XXXX","date_sent_to_company":"2021-03-27T14:53:04.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4250543","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-03-27T13:39:15.000Z","state":null,"company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["The probe is : when you get into the <em>CHASE</em> webpage page and the <em>CHASE</em> web page does not recognize the device you are using to get into, the web page offer you to <em>sent</em> you and authentication code to your <em>registered</em> phone number or email. Many times I have chose the email option as well the phone call options, both has been worked fine, which demonstrate what they said ( they can not use international phone numbers or <em>mail</em> ) is a lie."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[18.324312,"4250543"]},{"_index":"complaint-public-v1","_id":"12311553","_score":17.702887,"_source":{"product":"Checking or savings account","complaint_what_happened":"I made my personal check XXXX XXXXXXXX out to my son for {$250.00} and mailed on XX/XX/XXXX to him in XXXX XXXX, CA. I was alerted on XX/XX/XXXX to an amount of {$400.00} withdrawn from my account via that same check being cashed by a person unknown to me. I immediately called Chase Bank to report the fraud and the check had been stolen out of the mail and re-written on XX/XX/XXXX and cashed. They said they would initiate an investigation. I would need to submit an affidavit and have my son sign it as well. I was also told it may take XXXX months for my money to be put back in my account. When I asked why, I was told there was not a way for them to trace the transaction and they would have to determine first that it was fraud and get the other bank to work with them to return the money. \nI have since had to submit XXXX affidavits because the first one was incorrect but I only found out I had checked the \" wrong '' box when I called for an update. I honestly feel they wouldn't have contacted me regarding this because over a week later, I received another affidavit from them in the mail to fill out and resubmit. I took this to the branch to electronically submit. Was asked then for a copy of my check register, which I went back home to retrieve and send electronically. \nI called a week later for an update only to hear they did not have a copy of my register and needed proof somehow of the original check amount. This caused me to make another trip to the branch. \nThe banker called the security team to get an email address to submit the register ; the email given did not work. A XXXX email address given also did not work. These were the same addresses given initially when we sent the register but the banker somehow missed that the email was returned undeliverable and again, I was never notified! \nI have had to make XXXX trips to the closest bank branch to resubmit things I have already submitted. I have spent hours on hold waiting for the back team to pick up after going through the ridiculous answering menu. I have been told the burden of proof is on me by the gentleman at the branch who helped me get a new account and that it takes a while for the back team to do their investigation. I have asked if the bank has our signatures on file and wouldn't that be an easy way to see this was fraud?? He told me, to my face, \" well, XXXX, I guess we would have those '', but to my knowledge, no one at the bank has even checked our signatures! \nI was told last Thursday, XX/XX/XXXX, to give them XXXX business days after resubmitting my check register a XXXX  time for them to complete their investigation. The banker told me he would call them XXXX thing this morning and call me. It is now XXXX in the afternoon and I have yet to hear from him. \nThere has to be a better way for Chase customers to be treated and to get their money back when they are the victim of theft!","date_sent_to_company":"2025-03-04T20:25:53.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"76137","tags":null,"has_narrative":true,"complaint_id":"12311553","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-03-04T19:29:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Cashing a check"},"highlight":{"complaint_what_happened":["The banker called the <em>security</em> team to get an email address to submit the <em>register</em> ; the email given did not work. A XXXX email address given also did not work. These were the same addresses given initially when we <em>sent</em> the <em>register</em> but the banker somehow missed that the email was returned undeliverable and again, I was never notified! \nI have had to make XXXX trips to the closest bank branch to resubmit things I have already submitted."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[17.702887,"12311553"]},{"_index":"complaint-public-v1","_id":"6086895","_score":17.397938,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Complaint CHASE SECTION 1 : CHASE claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. \n\nI sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. \n\nI put CHASE on notice. \n\nI gave CHASE an OPPORTUNITY TO CURE. \n\nI have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. \n\nI do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction XXXX, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a XXXX  account, aka the XXXXXXXX XXXX  XXXX ' Trust, aka the XXXX XXXX XXXX , making I the ORIGINAL CREDITOR of any transaction that took place. CHASE never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ). \n\n\nSECTION 2 : CHASE has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. CHASE admit that I am the original creditor and source of the credit being utilized. \n\n2. CHASE leave account XXXX XXXXXXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). \n\n3. CHASE reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). \n\n4. CHASE pay for all fees and fines associated with this matter. \n\n5. CHASE pays me {>= $1,000,000} in damages. \n\n6. CHASE is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.","date_sent_to_company":"2022-10-14T17:26:11.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"32958","tags":null,"has_narrative":true,"complaint_id":"6086895","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-10-14T16:41:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Complaint <em>CHASE</em> SECTION 1 : <em>CHASE</em> claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with <em>registered</em> <em>mail</em> asking them to provide me with a VALIDATION OF DEBT as per federal law. \n\nI <em>sent</em> them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. \n\nI put <em>CHASE</em> on notice."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[17.397938,"6086895"]},{"_index":"complaint-public-v1","_id":"7987949","_score":17.183874,"_source":{"product":"Credit card","complaint_what_happened":"Dear Sir/Madam, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a serious issue involving JPMorgan Chase & Co. , which has raised significant concerns related to potential violations of the Uniform Commercial Code ( UCC ), Securities and Exchange Commission ( SEC ) regulations, Financial Industry Regulatory Authority ( FINRA ) regulations, and allegations of securities fraud.\n\nCommission file number XXXX Delaware ( State or other jurisdiction of incorporation or organization ) XXXX XXXX XXXX , XXXX XXXX , New York ( Address of principal executive offices ) XXXX ( I.R.S. employer identification no. ) XXXX ( Zip Code ) Registrants telephone number, including area code : ( XXXX ) XXXX The details of my complaint are as follows : Payment Instruments Submitted : On XX/XX/2023, and XX/XX/2023, I sent two separate negotiable instruments for payment to JPMorgan Chase & Co. in full compliance with legal tender guidelines. Both instruments were restrictively endorsed to the company, accompanied by specific processing instructions as prescribed by 31 CFR 328.5-6. These instruments were sent via registered mail with tracking numbers XXXX and XXXX. \nCompany 's Response and Actions : Regrettably, JPMorgan Chase & Co. has neither applied the payments to the account nor returned the negotiable instruments, both of which are mandated by law. In addition, despite my attempts to address this matter, the company has continued to contact me for payment, which is both unwarranted and unsettling. \nAdverse Action on Consumer Credit : Adding to my concerns, JPMorgan Chase & Co. has taken adverse action against my consumer credit, which, to the best of my knowledge of applicable laws and regulations, they may not have the authority to do.\n\nUCC Title 3 Violation : In accordance with the Uniform Commercial Code, Title 3, the non-application of payment in a timely manner constitutes a breach of contract. Consequently, the debt should be considered discharged, and my consumer credit should have been updated to reflect \" paid as agreed. '' Allegations of Securities Fraud : I strongly suspect that JPMorgan Chase & Co. may have improperly retained the security interest for themselves, potentially giving rise to allegations of securities fraud. Such actions, if proven true, raise significant concerns about the company 's ethical conduct and compliance with federal regulations and securities laws. \n\nThe company has a published XXXX annual filing and indenture agreement that both describe securities how they are sold and the rights to holders of the note. \n\nGiven the gravity of this situation and the potential violations of consumer protection laws, federal regulations, and securities laws, I believe it is imperative that other relevant regulatory bodies be involved in investigating and addressing this matter. Specifically, the Federal Trade Commission ( FTC ), Securities and Exchange Commission ( SEC ), Financial Industry Regulatory Authority ( FINRA ), and Internal Revenue Service ( IRS ) may need to take action to ensure that consumer rights are safeguarded and any alleged misconduct is thoroughly examined.\n\nDespite my attempts to communicate with JPMorgan Chase & Co. and my requests for the application of payment or the return of the instruments, the company has not responded or addressed this matter as of the date of this complaint.\n\nI respectfully request that the CFPB initiates a comprehensive investigation into this matter involving JPMorgan Chase & Co. to determine whether the company has violated any federal regulations, consumer protection laws, or securities laws. Additionally, I urge the CFPB to collaborate with the aforementioned regulatory bodies, including the FTC, SEC, FINRA, and IRS, to ensure a thorough examination of this matter. \n\nThank you for your prompt attention to this serious issue, and I anticipate a timely resolution to protect consumer rights. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2023-12-12T23:40:08.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"85339","tags":null,"has_narrative":true,"complaint_id":"7987949","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-12-12T23:29:05.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["These instruments were <em>sent</em> via <em>registered</em> <em>mail</em> with tracking numbers XXXX and XXXX. \nCompany 's Response and Actions : Regrettably, JPMorgan <em>Chase</em> & Co. has neither applied the payments to the account nor returned the negotiable instruments, both of which are mandated by law. In addition, despite my attempts to address this matter, the company has continued to contact me for payment, which is both unwarranted and unsettling."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[17.183874,"7987949"]},{"_index":"complaint-public-v1","_id":"7821216","_score":17.034605,"_source":{"product":"Credit card","complaint_what_happened":"This claim is against Chase bank for the credit cards that i have with them : business ink, slate and prime. For all XXXX accounts i sent in the coupons detached from the statements which were indorsed as the agent for the principal. These information was taken from their indenture act filed with XXXX on XX/XX/XXXX saying that I am the holder in whose name the securities are registered. All coupons were accompanied by instruction letters as to set off the account and bring it down to XXXX. The payment for Business Ink card was received by Chase on XX/XX/XXXX with USPS # XXXX XXXX XXXX XXXX XXXX. The Prime payment along with the letter was received by Chase on XX/XX/XXXX with USPS # XXXX XXXX XXXX XXXX XXXX XXXX. Slate card payment with letter was received by Chase on XX/XX/XXXX with USPS # XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX i called chase and spoke with XXXXcustomer service and she confirmed that XXXX  of the payments were received and that no negative comments were put on the account for these payments by her colleagues from their correspondence team or payment research team that would usually put comments in if the documents or the payments were not in order. She stated that the payments should be posted in a few business days. On Monday, XX/XX/XXXX i received XXXX letters, XXXX for the the Prime account and XXXX for the Business Ink stating that Chase does not accept this kind of payment. The written communication contradicts the phone communication! The same day, XX/XX/XXXX i called Chase and spoke first with XXXX, then XXXX, then XXXX, He stated that was some sort of supervisor. He said that Chase does not accept this payment. At this time i quoted from the indenture act of 2016 saying that coupons are to be detached. I also explained to XXXX that I am the creditor since i put my signature on the application which then is taken to the Federal Reserve as per section 16 of the Federal Reserve act, my application became a security. I also said that the bank can not loan me any money since they don't have it. This is supported by 12 USC section 1431 which states the power and duties of the bank is to borrow money from me the creditor by completing an application, putting my signature on and using my SSN. I also asked to be transferred to another person who can assist with my inquiry. I also mentioned 18 USC section 8 in which is says that coupons are obligations of the United States government. As per 31 USC section 3123, \" the faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government. As per 31 USC section 321 \" the secretary of the Treasury shall prepare plans for improving and managing receipts of the United States Government and managing the public debt. I asked XXXX to send me the securities back to me. He denied several times that the coupons are not a form of payment that they would accept. In fact he said that he can not waist anymore time solving this predicament. I also mentioned to him that copy of the indenture that i was reading from was taken from the Security Exchange Commission website. I asked to be informed if there was any mistakes on my part and that i would like to get the securities back. To this statement he answered \" When items are sent to us, they are scanned and then destroyed '' to which i answered that it was illegal for them to do that. He asked again for me to send a check, cash or money order.I asked again to have the securities send back to me. I repeated that they are not financing anything for me, that is was be who gave them a loan. I also stated that according to the publication of the \" XXXX XXXX XXXX  '' published by the Federal Reserve Bank XXXX XXXX, the money is produced out of thin air and if it wasn't for me giving them the application, we would not be having this conversation. He affirmed that he would put in the request for the reissuing of the securities and be sent to me. XXXX supplied me with a mailing address for the executive office. Finally, i would like to be solved in a satisfactory manner. I kindly ask that Chase provides me with a copy of my original application and the contract between us showing equal consideration. I can not remember anyone at Chase signing any of the documents i signed. In addition i would like to get a copy of their accounting ledger where it shows the credits and debits or assets and liabilities on the public side as well as the private.","date_sent_to_company":"2023-11-09T01:20:59.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"33414","tags":null,"has_narrative":true,"complaint_id":"7821216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-11-09T00:14:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["He affirmed that he would put in the request for the reissuing of the <em>securities</em> and be <em>sent</em> to me. XXXX supplied me with a <em>mailing</em> address for the executive office. Finally, i would like to be solved in a satisfactory manner. I kindly ask that <em>Chase</em> provides me with a copy of my original application and the contract between us showing equal consideration. I can not remember anyone at <em>Chase</em> signing any of the documents i signed."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[17.034605,"7821216"]},{"_index":"complaint-public-v1","_id":"6441470","_score":16.448952,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Around XXXX on XXXX  XX/XX/2022, I received a phone call from registered caller ID as Chase Business ( XXXX ) XXXX The representative said they detected fraud in the form of a wire transfer originating in XXXX Texas if I authorized these charges. I firmly said no and they then asked if I would like to cancel them, I said Yes. They said they needed to verify my identity and they would ask a series of questions. \nThey asked if my address was XXXX, I said yes. \nThe asked if my phone number was XXXX, I said yes They then said they would transfer me to the fraud department. I was on hold for about XXXX minutes. The next caller identified himself as XXXX. He asked a series of the same security questions. They did not ask me to give any information. They only asked a series of yes/no questions. They asked me if I lived at several different addresss. Some were yes, some were no. They had addresss for me that I lived at 20 years ago. \nThey then said they would like to review the most recent charges they gave me my present balance which I confirmed. \nI asked the caller for his name and representative number. He said his name was XXXX and his rep number was XXXX They were able to read off at the last 6-10 charges. I had my app open so I verified everything because it was all correct. They then asked me to check my other accounts if I noticed any fraud on those accounts. I did and there was nothing. I then checked the wire transfer and there were two wires pending one for {$40000.00} and one for {$38000.00}. I started to panic. They said it was no problem that because they were pending they could still stop them from processing. They gave me the information of the receiver and asked if I knew who they were, I said no. \nThey asked if I had given anyone my log in info or if anyone had used my devices, I said no. \nI then asked if they could give me some sort of proof that it was in fact Chase on the line. They sent me a one time passcode text message, I received it as a text on my phone in a thread from previous Chase code texts I had received in the past. So I felt more safe that it was Chase. \n\nThey then said they could verify by sending me another message to the app. I opened up the app and I received a pop up window from Chase that read a chase representative is calling you or on the line, can you verify yes or no there were to options yes/no so I clicked yes and it immediately took me back to the home screen of my accounts. That made me feel more secure since I was logged into the app. They said they would put me on hold while they waited for the charges to stop processing. \n\nWhile they had me on hold, I muted them and used my business phone to call Chase directly. I let them know that I had received a phone call from them and that there was wire fraud charges pending if this was a real call. The representative said there was no way for him to tell. He saw the pending charges and all he could do was make a claim. I hung up with the other line and asked this new representative to please escalate as it was my entire bank account being fraudulently wiped out and the charges were still pending that we could possibly catch it in time to stop them. We went through another round of security questions and started to file the claim. As this transpired the charges processed and I received an email that the wire was processed. I was furious and very upset. The representative said there was nothing he could do. I would receive paperwork in the mail in 7 days and to fill out and send back. I immediately went to the police station to file a report. A few hours later I received a phone call from XXXX XXXX Bank calling to confirm the charges. I denied them and they said they would do they're own investigation but could give me no further information since I was not there customer. I still have the voicemail if needed to be furnished. \nAt no point did Chase call me or send me any text messages or email to confirm these wire charges. I have zero history in the many years of banking with chase of ever sending anyone that large of a wire transfer much less my entire business funds. I dont know who those individuals are and can not understand how Chase allowed my account security to be breached. Furthermore, there was fraud on my business debit card just one week prior to this happening to which we had to close that card and issue a new one. Since this incident, I have continued to receive phone calls from caller id registered as Chase Business ( XXXX ) XXXX. Additionally, I have received two more attempts on this account which I have denied and the account at the time is frozen/blocked. I am not sure how this keeps happening. My security with Chase is breached. My private information has been leaked and my life savings is gone. I need this to be reinvestigated. The persons who received the wire information is there for Chase to investigate.","date_sent_to_company":"2023-01-15T17:44:49.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"11205","tags":null,"has_narrative":true,"complaint_id":"6441470","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-01-15T17:25:45.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Since this incident, I have continued to receive phone calls from caller id <em>registered</em> as <em>Chase</em> Business ( XXXX ) XXXX. Additionally, I have received two more attempts on this account which I have denied and the account at the time is frozen/blocked. I am not sure how this keeps happening. My <em>security</em> with <em>Chase</em> is breached. My private information has been leaked and my life savings is gone. I need this to be reinvestigated."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.448952,"6441470"]},{"_index":"complaint-public-v1","_id":"14800947","_score":16.419706,"_source":{"product":"Checking or savings account","complaint_what_happened":"My business bank account with Chase Bank, which is registered under my name, was closed on XX/XX/year>, without any prior written notice. The account currently holds approximately $ XXXX, which is now being withheld without a clear or lawful process. I am personally liable for this account, as my name and Social Security number are tied to the business, and I am the individual responsible for its operations and finances. This issue has impacted me both personally and professionally. \nI was verbally informed by a Chase representative that the account was closed due to inactivity, which was blocked by chase due to the \" fraud claim '' submitted by a vendors client. However, I have received no written notice, no documentation, and no explanation regarding the alleged fraud claim or account closure. I only learned this information by calling the bank myself after the funds were pulled from my account. \nThe individual who allegedly filed the fraud claim is now deceased, and the claim appears to be based on inaccurate or outdated information. Despite this, Chase refuses to provide a timeline for review or to confirm when or if the funds will be released. \nI called again on XX/XX/year>, and was informed that the funds may be held from a week to several months, and that there is nothing I can do to expedite the process. I was told the funds are under review with no status updates available. \nOn XX/XX/XXXX, a transaction labeled Debit DDA Check Charge removed the balance from the account. Initially, I was told that a check would be sent within 710 days. However, during my XX/XX/XXXX call, I was told no check was ever mailed, and the funds are still in the system. \nI have never received : Any written notice of account closure Any documentation of a fraud investigation Any timeline for review or release of funds Any means of disputing or resolving the issue directly This situation has caused personal financial harm, disrupted my ability to operate my business, and left me unable to access critical business and personal funds. I believe Chases actions are non-transparent, unfair, and may be in violation of consumer protection laws. \n\nI am requesting the CFPB to : Investigate and ensure the immediate release of my funds Obtain a formal written explanation of Chase Banks actions Hold the bank accountable for failure to notify, provide due process, or offer resolution Thank you for your attention to this urgent matter.","date_sent_to_company":"2025-07-22T20:15:54.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"98036","tags":null,"has_narrative":true,"complaint_id":"14800947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-22T19:49:37.000Z","state":"WA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Initially, I was told that a check would be <em>sent</em> within 710 days. However, during my XX/XX/XXXX call, I was told no check was ever <em>mailed</em>, and the funds are still in the system."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.419706,"14800947"]},{"_index":"complaint-public-v1","_id":"10218454","_score":16.312353,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Complaint Against CHASE CARD SERVICES for Violations of XXXX XXXX, Public Law XXXX, UCC Provisions, Federal Regulations, U.S. Codes, and Unlawful Closure of Accounts Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint against CHASE CARD SERVICES for numerous violations of my rights, including but not limited to : failure to honor lawful payment instruments, improper retention of securities, violation of XXXX and holder-in-due-course laws, breaches of federal regulations and U.S. Codes, unlawful closure of accounts, and potential theft, fraud, language fraud, and securities fraud. These violations contradict House Joint Resolution XXXX ( XXXX XXXX ), Public Law XXXX ( Emergency Banking Act ), the Uniform Commercial Code ( UCC ), the U.S. Constitution, and various federal laws and regulations. \nDetailed Summary of Violations : Failure to Honor Securities and Lawful Payment Instruments : I tendered lawful payments using securities and negotiable instruments provided by CHASE CARD SERVICES, such as bills, statements, equity checks, bearer bonds, and coupons attached to the statements. According to XXXX XXXX ( a ) and UCC XXXX XXXX a ) ( XXXX ), these instruments are valid as negotiable instruments, and I accepted these securities \" for value, '' issuing a restrictive endorsement as outlined in UCC XXXX. Additionally, I affixed postage stamps ( lawful money ) to these securities under XXXX XXXX and XXXX XXXX ( b ) ( XXXX ), reinforcing my payments. \nDespite receiving these securities through registered and certified mail, CHASE CARD SERVICES failed to discharge the debt, return the securities, or properly credit my account, in violation of XXXX XXXX ( b ). This provision mandates that any obligation is discharged to the extent of a payment made by a negotiable instrument unless that instrument is returned or dishonored. Their retention of the securities without action violates my rights as both a creditor and holder of the instruments. \nUnlawful Closure of Accounts and Definition of \" Accounts '' : It is important to clarify that the term account inherently means a place for deposits and withdrawals, not a static or limited financial agreement. As such, CHASE CARD SERVICES unlawfully closed my accounts even after I had discharged the related debts through the lawful tender of securities. These accounts, by their nature, should be considered open-ended credit plans, which should not have a predetermined limit. Under my unlimited right to contract, as protected by the U.S. Constitution, I am entitled to maintain these accounts without arbitrary closure, particularly after meeting my financial obligations through lawful payments. \nThe attempt to impose artificial credit limits or close my accounts after the debt was discharged is unlawful. Showing limits on an open-ended credit plan, as CHASE CARD SERVICES has done, is illegal and contrary to both the terms of open-ended credit and contract law principles. Their action constitutes a breach of XXXX XXXX concerning the resolution of debts through accord and satisfaction and violates my constitutional right to contract freely without interference. \nPotential Fraud, Theft, and Securities Fraud : In addition to their mishandling of the securities and failure to honor my lawful payments, I am concerned that CHASE CARD SERVICES may be engaging in fraudulent activities. By retaining the securities I sent, continuing to demand payment for already discharged debts, and unlawfully closing accounts, they may be guilty of theft, securities fraud, and other forms of financial fraud. Their refusal to properly process the negotiable instruments and their subsequent closure of the accounts indicate potential securities fraud under the Securities Exchange Act of 1934 and related provisions under federal securities laws. \nLanguage fraud may also be present in the manner in which the terms of my accounts, securities, and payments have been communicated. CHASE CARD SERVICES has used deceptive or unclear language that obscures the nature of my rights and obligations, particularly in regard to the use of lawful money and the nature of the securities provided. By misleading me about the status of the accounts and payments, they are potentially engaging in fraudulent misrepresentation under 18 U.S. Code 1341 ( Mail Fraud ) and 18 U.S. Code 1343 ( Wire Fraud ). \nViolation of Holder-in-Due-Course Laws : As the holder of the securities and negotiable instruments I tendered, I am entitled to the protections and rights outlined in UCC XXXX. A holder in due course has the right to enforce the payment of the instrument free from most claims and defenses. CHASE CARD SERVICES, by refusing to honor my position as the holder of these instruments, has violated my holder-in-due-course rights. They retained the securities without processing them, have continued to unlawfully demand further payments, and have denied my rightful claim to the value of these instruments, in violation of XXXX XXXX ( concerning defenses and claims to an instrument ). \nViolation of U.S. Codes and Federal Regulations : By refusing to process the private instruments I provided, unlawfully retaining my securities, and denying my right to claim them, CHASE CARD SERVICES has violated various U.S. codes, including 12 U.S. Code 411, which governs the issuance and use of lawful money. Additionally, they have breached multiple provisions of the Code of Federal Regulations ( CFR ), particularly those governing the handling of negotiable instruments and securities. The improper handling of these private instruments suggests potential violations of 15 U.S. Code Chapter 41- Consumer Credit Protection. \nFailure to Discharge Debt Under the Emergency Banking Act and Gold Clause : According to Public Law XXXX ( Emergency Banking Act ) and HJR XXXX, all debts must be discharged upon the tender of lawful money. My payment, which consisted of securities and lawful money ( postage stamps ), fully satisfied the obligation. [ Institution Name ] has unlawfully refused to recognize the discharge of my debt, in violation of the Gold Clause, which prohibits the refusal to accept lawful money for the satisfaction of debts. Their continued claims that I owe further payments after I have already tendered lawful payment indicate a violation of both public law and federal monetary statutes. \nApplicable UCC, Federal Regulations, U.S. Codes, and Constitutional Protections : XXXX XXXX ( a ) : Defines a negotiable instrument as an unconditional promise or order to pay a fixed amount of money. \nXXXX XXXX : Governs restrictive endorsements and their legal effect on the instrument. \nXXXX XXXX : Holder-in-due-course rights and their protection in the enforcement of negotiable instruments. \nXXXX XXXX : Outlines claims and defenses to negotiable instruments, including wrongful retention. \nXXXX XXXX : Covers accord and satisfaction, requiring that when a debt is discharged, no further payment can be demanded. \nXXXX XXXX ( b ) : States that an obligation is discharged to the extent of any payment made by a negotiable instrument unless it is returned or dishonored. \nXXXX XXXX ( b ) ( XXXX ) : Defines lawful money, including postage stamps affixed to negotiable instruments. \n12 U.S. Code 411 : Governs the issuance and receipt of lawful money and its proper application in discharging debts. \n18 U.S. Code 1341 ( Mail Fraud ) : Prohibits the use of mail to execute fraudulent schemes.\n\n18 U.S. Code 1343 ( Wire Fraud ) : Prohibits the use of electronic communication in executing fraud.\n\nSecurities Exchange Act of 1934 : Governs securities transactions, including securities fraud. \nXXXX XXXX XXXX ( XXXX Banking XXXX ) : Requires the discharge of debts upon the tender of lawful money. \nGold Clause : Prohibits the refusal to accept lawful money for the discharge of debts. \nU.S. Constitution : Guarantees the right to contract freely, without interference, including my right to maintain open-ended credit plans. \nPotential Crimes : Theft : CHASE CARD SERVICES has retained my private securities and negotiable instruments without applying them as payments, constituting theft. \nFraud : Their continued demands for payments after I have satisfied the debt through lawful means indicate fraudulent behavior, possibly in violation of federal fraud statutes. \nSecurities Fraud : The mishandling of the securities I tendered suggests that CHASE CARD SERVICES may be engaged in securities fraud under the Securities Exchange Act of 1934. \nLanguage Fraud : CHASE CARD SERVICES has used unclear and deceptive language to obscure my rights, misrepresenting the terms of my agreements, the status of my payments, and the nature of the accounts, which is also deceptive practices. \nDesired Resolution : I request that the CFPB investigate the following : Unlawful retention of securities : Investigate CHASE CARD SERVICES for refusing to process or return the private instruments I tendered as payment. \nUnlawful closure of accounts : Reopen my accounts, as they were unlawfully closed after the debts were discharged. As well as they should reflect an open-ended credit plan at all times. \nInvestigation of potential fraud and securities fraud : CHASE CARD SERVICES for potential theft, fraud, language fraud, securities fraud, theft of lawful money. \nRefund overpayments : [ Institution Name ] must refund or credit any overpayments I made when I affixed lawful money ( postage stamps ) to the securities. \nRecognition of my rights as a holder in due course : Ensure that CHASE CARD SERVICES respects my rights as the holder of these securities and negotiable instruments. \nMonetary relief for every violation per day, pursuant to the Federal Reserve Act, U.S.C., C.F.R., and XXXX, that they do not apply my security instruments.","date_sent_to_company":"2024-09-23T21:07:15.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"70119","tags":null,"has_narrative":true,"complaint_id":"10218454","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-09-23T20:42:34.000Z","state":"LA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Despite receiving these <em>securities</em> through <em>registered</em> and certified <em>mail</em>, <em>CHASE</em> CARD SERVICES failed to discharge the debt, return the <em>securities</em>, or properly credit my account, in violation of XXXX XXXX ( b ). This provision mandates that any obligation is discharged to the extent of a payment made by a negotiable instrument unless that instrument is returned or dishonored. Their retention of the <em>securities</em> without action violates my rights as both a creditor and holder of the instruments."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.312353,"10218454"]},{"_index":"complaint-public-v1","_id":"10573676","_score":16.011219,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Complaint Against Chase Bank Credit/Banking Institution for Violations of HJR 192, Public Law 73-10, UCC Provisions, Federal Regulations, U.S. Codes, and Unlawful Closure of Accounts Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint against Chase Bank Credit/Banking Institution for numerous violations of my rights, including but not limited to : failure to honor lawful payment instruments, improper retention of securities, violation of UCC and holder-in-due-course laws, breaches of federal regulations and U.S. Codes, unlawful closure of accounts, and potential theft, fraud, language fraud, and securities fraud. These actions contradict House Joint Resolution 192 ( HJR 192 ), Public Law 73-10 ( Emergency Banking Act ), the Uniform Commercial Code ( UCC ), the U.S. Constitution, and various federal laws and regulations.\n\nDetailed Summary of Violations : Failure to Honor Securities and Lawful Payment Instruments : I tendered lawful payments using securities and negotiable instruments provided by Chase Bank, such as bills, statements, equity checks, bearer bonds, and coupons attached to the statements. According to UCC 3-104 ( a ) and UCC 3-302 ( a ) ( 2 ), these instruments are valid as negotiable instruments, and I accepted these securities \" for value, '' issuing a restrictive endorsement as outlined in UCC 3-206. Additionally, I affixed postage stamps ( lawful money ) to these securities under HJR 192 and UCC 1-201 ( b ) ( 24 ), reinforcing my payments. Despite receiving these securities through registered and certified mail, Chase Bank Credit/Banking Institution failed to discharge the debt, return the securities, or properly credit my account, in violation of UCC 3-603 ( b ).\n\nThis provision mandates that any obligation is discharged to the extent of a payment made by a negotiable instrument unless that instrument is returned or dishonored. Chase Bank 's retention of the securities without action violates my rights as both a creditor and holder of the instruments.\n\nUnlawful Closure of Accounts and Definition of \" Accounts '' : It is important to clarify that the term \" account '' inherently means a place for deposits and withdrawals, not a static or limited financial agreement. As such, Chase Bank Credit/Banking Institution unlawfully closed my accounts even after I had discharged the related debts through the lawful tender of securities. These accounts, by their nature, should be considered open-ended credit plans, which should not have a predetermined limit. Under my unlimited right to contract, as protected by the U.S. Constitution, I am entitled to maintain these accounts without arbitrary closure, particularly after meeting my financial obligations through lawful payments.\n\nThe attempt to impose artificial credit limits or close my accounts after the debt was discharged is unlawful. Setting limits on an open-ended credit plan, as Chase Bank Credit/Banking Institution has done , is illegal and contrary to both the terms of open-ended credit and contract law principles. Their action constitutes a breach of UCC 3-311, concerning the resolution of debts through accord and satisfaction, and violates my constitutional right to contract freely without interference.\n\nPotential Fraud, Theft, and Securities Fraud : In addition to their mishandling of the securities and failure to honor my lawful payments, I am concerned that Chase Bank Credit/Banking Institution may be engaging in fraudulent activities.\n\nBy retaining the securities I sent, continuing to demand payment for already discharged debts, and unlawfully closing accounts, they may be guilty of theft, securities fraud, and other forms of financial fraud. Their refusal to properly process the negotiable instruments and their subsequent closure of the accounts indicate potential securities fraud under the Securities Exchange Act of 1934 and related provisions under federal securities laws. Language fraud may also be present in the manner in which the terms of my accounts, securities, and payments have been communicated. Chase Bank Credit/Banking Institution has used deceptive or unclear language that obscures the nature of my rights and obligations, particularly in regard to the use of lawful money and the nature of the securities provided. By misleading me about the status of the accounts and payments, they are potentially engaging in fraudulent misrepresentation under 18 U.S. Code 1341 ( Mail Fraud ) and 18 U.S. Code 1343 ( Wire Fraud ).\n\nViolation of Holder-in-Due-Course Laws : As the holder of the securities and negotiable instruments I tendered, I am entitled to the protections and rights outlined in UCC 3-302. A holder in due course has the right to enforce the payment of the instrument free from most claims and defenses. Chase Bank, by refusing to honor my position as the holder of these instruments, has violated my holder-in-due-course rights. They retained the securities without processing them, have continued to unlawfully demand further payments, and have denied my rightful claim to the value of these instruments, in violation of UCC 3-305 ( concerning defenses and claims to an instrument ).\n\nViolation of U.S. Codes and Federal Regulations : By refusing to process the private instruments I provided, unlawfully retaining my securities, and denying my right to claim them, Chase Bank Credit/Banking Institution has violated various U.S. codes , including 12 U.S. Code 411, which governs the issuance and use of lawful money. Additionally, they have breached multiple provisions of the Code of Federal Regulations ( CFR ), particularly those governing the handling of negotiable instruments and securities. The improper handling of these private instruments suggests potential violations of 15 U.S. Code Chapter 41- Consumer Credit Protection.\n\nFailure to Discharge Debt Under the Emergency Banking Act and Gold Clause : According to Public Law 73-10 ( Emergency Banking Act ) and HJR 192, all debts must be discharged upon the tender of lawful money. My payment, which consisted of securities and lawful money ( postage stamps ), fully satisfied the obligation. Chase Bank Credit/Banking Institution has unlawfully refused to recognize the discharge of my debt, in violation of the Gold Clause, which prohibits the refusal to accept lawful money for the satisfaction of debts. Their continued claims that I owe further payments after I have already tendered lawful payment indicate a violation of both public law and federal monetary statutes.\n\nApplicable UCC, Federal Regulations, U.S. Codes, and Constitutional Protections : UCC 3-104 ( a ) : Defines a negotiable instrument as an unconditional promise or order to pay a fixed amount of money.\n\nUCC 3-206 : Governs restrictive endorsements and their legal effect on the instrument.\n\nUCC 3-302 : Holder-in-due-course rights and their protection in the enforcement of negotiable instruments.\n\nUCC 3-305 : Outlines claims and defenses to negotiable instruments, including wrongful retention.\n\nUCC 3-311 : Covers accord and satisfaction, requiring that when a debt is discharged, no further payment can be demanded.\n\nUCC 3-603 ( b ) : States that an obligation is discharged to the extent of any payment made by a negotiable instrument unless it is returned or dishonored.\n\nUCC 1-201 ( b ) ( 24 ) : Defines lawful money, including postage stamps affixed to negotiable instruments.\n\n12 U.S. Code 411 : Governs the issuance and receipt of lawful money and its proper application in discharging debts.\n\n18 U.S. Code 1341 ( Mail Fraud ) : Prohibits the use of mail to execute fraudulent schemes.\n\n18 U.S. Code 1343 ( Wire Fraud ) : Prohibits the use of electronic communication in executing fraud.\n\nSecurities Exchange Act of 1934 : Governs securities transactions, including securities fraud.\n\nPublic Law 73-10 ( Emergency Banking Act ) : Requires the discharge of debts upon the tender of lawful money.\n\nGold Clause : Prohibits the refusal to accept lawful money for the discharge of debts.\n\nU.S. Constitution : Guarantees the right to contract freely, without interference, including the right to maintain open-ended credit plans.\n\nPotential Crimes : Theft : Chase Bank Credit/Banking Institution has retained my private securities and negotiable instruments without applying them as payments, constituting theft.\n\nFraud : Their continued demands for payments after I have satisfied the debt through lawful means indicate fraudulent behavior, possibly in violation of federal fraud statutes.\n\nSecurities Fraud : The mishandling of the securities I tendered suggests that Chase Bank Credit/Banking Institution may be engaged in securities fraud under the Securities Exchange Act of 1934.\n\nLanguage Fraud : Chase Bank Credit/Banking Institution has used unclear and deceptive language to obscure my rights, misrepresenting the terms of my agreements, the status of my payments, and the nature of the accounts, which constitutes deceptive practices.","date_sent_to_company":"2024-10-26T01:53:05.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"92107","tags":null,"has_narrative":true,"complaint_id":"10573676","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-10-26T01:45:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Despite receiving these <em>securities</em> through <em>registered</em> and certified <em>mail</em>, <em>Chase</em> Bank Credit/Banking Institution failed to discharge the debt, return the <em>securities</em>, or properly credit my account, in violation of UCC 3-603 ( b ).\n\nThis provision mandates that any obligation is discharged to the extent of a payment made by a negotiable instrument unless that instrument is returned or dishonored."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.011219,"10573676"]},{"_index":"complaint-public-v1","_id":"11414108","_score":15.968325,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"After XX/XX/XXXX I received a letter indicating that my XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and its Indenture Trustee XXXX XXXX XXXX XXXX XXXX XXXX  accounts ending in XXXX, XXXX and XXXX is closed. The letter indicated the reason my account was closed was because \" activity on this account or other account is not consistent with our account usage and violates XXXX XXXX Customer Agreement ''. Well, CFPB inside of their XXXX XXXX XXXX XXXX  report states Issuer trust collateral A collateral certificate issued by XXXX XXXX XXXX XXXX, which is collateralized by receivables generated by revolving consumer and small business credit card accounts owned by XXXX XXXX XXXX. or one of its affiliates... I mailed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and its Indenture Trustee XXXX XXXX XXXX XXXX XXXX XXXXXXXX a properly endorsed registered security and they did not credit my account ending in XXXX, XXXX and XXXX. I spoke with the agent, cover person who told me it was received. He told me they didn't accept that form of payment. I said, \" send it back if you reject it ''. He said we can't do that. UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. That means XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and its Indenture Trustee XXXX XXXX XXXX XXXX XXXX XXXXXXXX accepted it, but they still have not credited my account. When I sent my registered security, I sent an instruction letter informing them that I will continue to send them a properly endorsed security every month and to not close my account pursuant to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k. My credit application evidences a debt. It's a certificate of indebtedness. My application was turned into an asset back security and was sold and continues to be sold on the secondary market according to XXXX XXXX XXXX XXXX, and Trust Indenture Agreement on the SEC website. It is securities fraud to assign a XXXX  number to a security and trade/ sell on the secondary market. Also, JPMORGAN Account ending XXXX, XXXX XXXX  account ending XXXX and XXXX  XXXX XXXX accounts ending in XXXX, XXXX and XXXX charged off my Accounts. Charge-offs/ Certificate of Indebtedness is also considered income, and income can not be reported to my credit report. Also, because the accounts were charged-off, I know a 1099 was filed on the listed account. As far as the inquiries on my credit report, XXXX XXXX XXXX XXXX  and JPMorgan is considered financial institutions operating under a corporation and by definition under title 15 U.S. Code 1681b - Permissible purposes of consumer reports, they need my consent to furnish anything to my consumer report, therefore in reference to them reporting anything to my credit report as well as the inquiries by them on my consumer report, it is a violation to report any of my information. I absolutely did not give XXXX XXXX XXXX XXXX XXXX or JPMorgan consent to furnish any information to XXXX, XXXX, XXXX, XXXX and/or any other third-party institution. Not only has XXXX XXXX XXXX XXXX XXXXXXXX. JPMorgan closed my accounts without my consent, but XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. and JPMorgan is also performing against their own Indentured Trust operating agreements. I have proof my private information has been sold to 3rd parties. I am very aware of my Consumer Rights, and according to The Securities Exchange Act of 1934 and The Trust Indentured Act of 1939, XXXX XXXX JPMorgan Chase and XXXXXXXX XXXX XXXX. is in Violation according to their own prospectus as well as their 8k forms on SEC websites. I indeed am protected by my lawful rights, and land of the law. I am also aware that XXXX XXXX XXXX XXXX and JPMorgan Chase are Corporations who took my personal information then turned it into a security and sold it over to the primary and secondary markets and in the process extended back to me, my own credit when it should have been an unlimited charge card extended to me, because I am the one who furnished them a security by providing my information. I am claiming my Purchaser rights, being as though XXXX XXXX XXXX XXXX and JPMorgan Chase is merely a corporation, which can not speak. Having knowledge from XXXX  XXXX, XXXX XXXX  and JPMorgan Chase prospectus reports, I have come to terms, I simply invested into their company. XXXX XXXX, JPMorgan Chase and XXXX XXXX  XXXX corporation has been disregarding the Trust Indentured Act of 1939 as well as The Securities Exchange Act of 1934. XXXX XXXX, JPMorgan Chase and XXXX XXXX  has caused me extreme physical, mental, and emotional distress, putting a financial strain on my life. I frequently use my cards to pay for my bare necessities for myself. After speaking verbally to different agents of XXXX XXXX, JPMorgan Chase and XXXX XXXX  on several different occasions, XXXX  XXXX, JPMorgan Chase and XXXX XXXX  were unwilling to provide any equitable relief, especially knowing there is remedy for debt to be discharged, nor were they making any attempts to provide any alternate remedy, to discharge. XXXX XXXX, JPMorgan Chase and XXXX XXXX  has not only caused me unnecessary health issues, but my privacy also as well has been invaded and credit score depleted, from what it once uses to be. According to the Privacy Act of 1974, my information was improperly misused, reported, mishandled, and sold to other 3rd parties, as well as put on the primary and secondary markets, by XXXX  XXXX XXXX  XXXX, JPMorgan Chase and XXXX XXXX... Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. 1 ) PROHIBITION ... ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \nDuty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.\n\nPROHIBITION : a law or regulation forbidding something The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! ..... \nThe above paragraph is taken directly from the IRS XXXX publication.","date_sent_to_company":"2025-01-07T16:37:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"64114","tags":null,"has_narrative":true,"complaint_id":"11414108","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-07T16:37:35.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["When I <em>sent</em> my <em>registered</em> <em>security</em>, I <em>sent</em> an instruction letter informing them that I will continue to send them a properly endorsed <em>security</em> every month and to not close my account pursuant to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k. My credit application evidences a debt. It's a certificate of indebtedness."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.968325,"11414108"]},{"_index":"complaint-public-v1","_id":"18878387","_score":15.965952,"_source":{"product":"Credit card","complaint_what_happened":"SUMMARY : - Beginning in XX/XX/XXXX, and continuing through XX/XX/XXXX and XX/XX/XXXX, I have repeatedly contacted Chase and registered complaints regarding their refusal to return funds totalling {$1700.00} to me, either by directly crediting my Chase checking account, or crediting the amount to my Chase XXXX XXXX ( from which the funds were originally withdrawn ). \n- Chase has repeatedly responded with contradictory and deceptive information, depending on the back office representative I am speaking with on any given day. \nDETAILED TIMELINE : XXXX : XX/XX/XXXX : XXXX \" XXXX XXXX '' issued a refund for the amount of {$2000.00} to Chase-issued \" XXXX '' XXXX ( \" the cc '' ). \nXX/XX/XXXX : - I called Chase Customer Service ( \" XXXX '' ) for the cc to request an electronic funds transfer for the amount of {$1700.00} to my Chase checking account ( remaining balance after the {$2000.00} merchant refund had been applied to the then-current outstanding balance ) ; - Was advised by XXXX to complete an email in order to request the electronic transfer ; I confirmed my email address and was told the email would be received within XXXX hours of the call ; - Was also told that a check would be automatically sent to my mailing address if I did not complete the email process within a XXXX time frame ; - I specifically requested that a check not be mailed as I would be overseas and was concerned about the security of mailing a paper check given the large amount. \nXX/XX/XXXX : - Called CS for the cc as I had not received the email they promised and was told that a check had already been mailed on XX/XX/XXXX. \nXX/XX/XXXX : - No check has been received as of this date. \n- Spoke with XXXX different CS agents for the cc regarding this matter, including an escalation to XXXX, a supervisor. \n- Was advised the outstanding paper check would be cancelled and a new one reissued. \nXXXX : XX/XX/XXXX : - Reached out to XXXX XXXX XXXX XXXX XXXX for Chase in XXXX, New York XXXX who assisted me with attempting to resolve this issue as no check has been received to date. \n- XXXX, a different supervisor with the credit card department VERBALLY confirmed on a three-way call with XXXX XXXX that XXXX check would be cancelled ( unclear if this was the first or the purported second check that was supposedly mailed and has not been received ) and the funds credited back to the cc in the upcoming days. \nXX/XX/XXXX : - No funds have been credited to the cc or to my checking account as of this date. \n- I had a follow up conversation with XXXX XXXX who advised me that a different credit card support supervisor had now offered a contradictory explanation and said no funds would be returned to me unless I completed a paper attestation form and mailed it back to Chase.\n\nChase back-office representatives have assured me that EITHER 1 ) these funds will be returned to me, OR most recently 2 ) these funds will NOT be returned to me unless I complete a paper attestation than then MUST be mailed back to them - contradicting what other back office staff have represented to me on recorded lines. \n\nI have explained on every single recorded line conversation that I will not be stateside for approximately another five weeks, as I travel internationally extensively for my work as a Financial Crimes consultant.\n\nChase is deliberately and deceptively giving me contradictory information while refusing to credit me the funds that I am owed. A check in the amount of {$1700.00} has been missing since XXXX and Chase refuses to refund me the amount legally owed even though they have repeatedly assured me on recorded telephone lines that the funds would be returned to my credit card. \n\nChase is legally obligated to return the credit balance to me within a specific timeframe. Under US regulations ( Truth in Lending Act, Regulation Z, 1026.11 ), a creditor must make a good faith effort to refund a credit balance that has remained in the account for more than XXXX months. Relevant to this scenario : I made a request and under Truth in Lending Act, the Bank must refund any remaining credit balance within XXXX business days.","date_sent_to_company":"2026-01-21T01:43:28.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"105XX","tags":null,"has_narrative":true,"complaint_id":"18878387","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-01-21T01:14:38.000Z","state":"NY","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["check would be automatically <em>sent</em> to my <em>mailing</em> address if I did not complete the email process within a XXXX time frame ; - I specifically requested that a check not be <em>mailed</em> as I would be overseas and was concerned about the <em>security</em> of <em>mailing</em> a paper check given the large amount."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.965952,"18878387"]},{"_index":"complaint-public-v1","_id":"8489018","_score":15.850517,"_source":{"product":"Checking or savings account","complaint_what_happened":"Request for Processing Debt Security and Assistance with Debt Discharge and XXXX Dear JPMorgan Chase, I trust this leYer finds you well. I am wriWng in response to your leYer dated XX/XX/XXXX, regarding Reference Number XXXX, associated with my business, XXXX XXXX XXXX XXXX XXXX \nFirstly, I acknowledge that the iniWal documents I submiYed were incorrect. The first document reflected an amount of {$150000.00}, while the second document, now established as a promissory note, correctly represents the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {>= $1,000,000} ). I have confirmaWon of the receipt of this promissory note through registered mail, as verified by XXXX, who informed me that it was sent to the appropriate department for review and subsequently denied. \nI would like to bring to your aYenWon  the legal implicaWons of refusing my tender of payment, as per the UCC 3- 603. TENDER OF PAYMENT. By refusing the tender, you may be in default, leading to the discharge of the obligaWon of an indorser. I have sent the instrument in good faith to discharge a debt, and the refusal of payment has triggered this legal consequence. \nFurthermore, I draw your aYenWon  to the UCC 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION. This secWon emphasizes that a person enWtled to enforce an instrument may discharge the obligaWon of a party to pay by intenWonal voluntary acts or by renouncing rights against the party through a signed record.\n\nAddiWonally, the trust agreement between the Small Business AdministraWon and JPMorgan Chase, specifically on pages XXXX, XXXX, and XXXX, outlines the obligaWons and responsibiliWes concerning distribuWons, registraWon of transfers, and the fiduciary duWes. It appears that there may be non-compliance with these obligaWons, potenWally violaWng the trust indenture act of 1939 and regulaWons under the securiWes exchange act. \nIn light of these concerns, I request your immediate aYenWon to the processing of the debt security and assistance with the debt discharge and renunciaWon. I believe that a fair resoluWon can be achieved through open communicaWon and cooperaWon.\n\nI appreciate your prompt aYenWon to this maYer. Please provide a comprehensive response at your earliest convenience. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-03-06T23:13:12.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"07002","tags":null,"has_narrative":true,"complaint_id":"8489018","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-06T23:09:08.000Z","state":"NJ","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I have confirmaWon of the receipt of this promissory note through <em>registered</em> <em>mail</em>, as verified by XXXX, who informed me that it was <em>sent</em> to the appropriate department for review and subsequently denied. \nI would like to bring to your aYenWon  the legal implicaWons of refusing my tender of payment, as per the UCC 3- 603. TENDER OF PAYMENT. By refusing the tender, you may be in default, leading to the discharge of the obligaWon of an indorser."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.850517,"8489018"]},{"_index":"complaint-public-v1","_id":"13551408","_score":14.93152,"_source":{"product":"Credit card","complaint_what_happened":"XXXX weeks ago ( on XX/XX/XXXX ), we were notified that our XXXX credit cards open with Chase were closed and that we would receive a letter in the mail in XXXX business days containing more information. \n\nXXXX of our accounts ( Chase Sapphire Reserve ) has been open with Chase for a little over XXXX years ; the other account ( Chase Freedom ) has been open with chase for XXXX years. \n\nWe reached out to Chase immediately after the accounts were closed, and were informed that we could not take action until we received the letter in the mail. The letter arrived last Friday, XX/XX/XXXX ( see copy of letter attached ) and referenced that our accounts were being closed \" because of rewards misuse ''. We reached out to Chase 's Complaints and XXXX XXXX, who informed us that the card had in fact been closed due to inappropriate rewards activity, and that the account was also labeled/identified as \" An account which is not to be reopened ''. \n\nWhen discussing the issue with Chase, we referenced the rewards fraud describer below which occurred during XXXX XXXX ( we identified the fraud in XX/XX/XXXX and reported the issue and activity to Chase ). Chase acknowledged that there are steps that we could take to formally appeal the accounts being closed ( restarting the processes which we had originally undertaken ; i.e. calling the number on the back of the card, submitting an inquiry via our secure message center, or sending a letter to a XXXX XXXX XXXX appeals ). Given that the Chase individual we spoke to today ( XX/XX/XXXX ) advised that the account has been tagged as an account Not to be reopened, we do not intend to re-pursue the issue through the same channels weve already undertaken. \n\nIn XXXX of XXXX, we noticed that our rewards balance within the Chase Rewards Portal had decreased materially from the balance that is typically carried there. For the duration of the past XXXX years weve had these cards open with Chase, XXXX let points accrued during the year and then recoup them when going on family vacations. Upon reviewing the activity within the account, we noticed that points had been being used to purchase XXXX gift cards and were being sent to an email that was setup which mirrored closely the personal email linked to our account ( our email registered on the account is XXXX ; the email that it appears was receiving credit cards was XXXX ). We reported the issue to Chase upon discovering it, which resulted in XXXX receiving a new username/login/security settings/etc. After a couple of weeks or so, Chase refunded us the points that the perpetrator had fraudulently moved to gift cards. \n\nIn light of the fact that we identified the fraud which occurred on our account and reported it to Chase upon discovering it, we are somewhat dumbfounded that the only response weve received as to why the account has been closed is because of rewards misuse. Not only did Chase not have the appropriate controls in place to monitor/detect such activity on the account ( i.e. XXXX factor authentication, review of non-primary new-email linked to gift card redemptions with rewards points, significant point values being used for gift cards, etc. ) but upon our discovery of the issue, their response is to close the account of a XXXX customer with no record of any prior issues. \n\nGiven that Chase did not have the necessary controls in-place and operating to detect the fraud ( i.e. two-factor authentication on the account, alerts/reviews when adding a non-primary email address as the recipient of gift cards/monetary distributions from rewards accounts, automated reviews/alerts of significant gift card rewards redemptions, etc. ), it seems shocking that their response would be to simply close the accounts of a ten-year customer. These XXXX accounts have an average age of XXXX years and a combined credit limit of {$100000.00} across them, XXXX data points which greatly affect our XXXX XXXX. \n\nHad we known at the time of establishing these accounts, that Chase would hold us liable for XXXX instance of fraud occurring on the accounts and wipe out XXXX years of exemplary customer activity and historywe wouldve never put our faith and credit history in their hands. The XXXX reserve card is Chases premium offering, carrying significant annual feesand despite paying those fees and being an extremely loyal customer to XXXX chosen to abandon our relationship and hold XXXX liable for fraud occurring outside of our control, to our detriment.","date_sent_to_company":"2025-05-16T15:27:30.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"68022","tags":null,"has_narrative":true,"complaint_id":"13551408","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-05-16T14:19:49.000Z","state":"NE","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Upon reviewing the activity within the account, we noticed that points had been being used to purchase XXXX gift cards and were being <em>sent</em> to an email that was setup which mirrored closely the personal email linked to our account ( our email <em>registered</em> on the account is XXXX ; the email that it appears was receiving credit cards was XXXX ). We reported the issue to <em>Chase</em> upon discovering it, which resulted in XXXX receiving a new username/login/<em>security</em> settings/etc."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[14.93152,"13551408"]},{"_index":"complaint-public-v1","_id":"3990712","_score":14.493097,"_source":{"product":"Debt collection","complaint_what_happened":"On Thursday, XX/XX/XXXX, I sent a dispute transaction to Chase Customer Claims XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX for the amount of Amount XXXX. I indicated at that time I was a potential victim of credit card fraud and possibly identity theft. I explained that I had used an online grocery and delivery service on XX/XX/XXXX. I lost connection trying to place a second order and when I got back to it my account had been put on hold. This was after one successful order completion at XXXX. I emailed XXXX, this was the only contact to them at that time. I was told I would need to go through a third party verification site. When I emailed them ( security ) I was told that I would need to send a picture of my ID along with a picture of my credit card. I thought this was unusual and during this time it was being reported to be very careful about this very thing on the internet. I sent them a picture of my DL and told them I was not comfortable sending a picture of credit card and was certain that any and all credit information could be accessed with my name and address and/or from their employer. I was told in subsequent email that unless I did so the hold would remain. I emailed XX/XX/XXXX back and told them what had transpired, I was told that the \" company '' I had been in touch with was the last say in their security and if I didn't capitulate my account would remain closed. I had no idea who this third party was. A quick search revealed nothing that I could find about a security company with this name. Being locked out of my account at XXXX effectively locked me away from verifying my payment, the groceries delivered, and was what I was being billed for. I attempted to call Chase immediately and was met with an endless menu of \" due to Corona .... ''. None of which allowed me to leave a message or phone number. I attempted to call for the next two weeks and finally gave up and waited for a statement. I would answer that with the problem. In the mean time I found a dispute form on the net, filled it out in detail and waited. When I received statement, I promptly shoved in their dispute form along with my letter, mailed it and waited. What I got back was another statement. Nothing addressing my fears, no indication that the dispute form had been received. In the meantime I am sitting on a big pile of groceries waiting for a receipt I had asked Chase to acquire for me as the delivery person left nothing of the sort and I had no way to validate the money I had spent or if I had given my personal information to a scammer. \nTo date I have had no correspondence from Chase regarding my issue other than a short note telling me that since they \" ..had not heard from me they would now consider the case closed. \". This was in answer to the dispute form being sent and a second letter restating my problem and a copy of the dispute form. \nI sent two more letters during the period between then and now for a total of four. My last was to tell them that since they had done absolutely nothing to help me, not even a note to say sorry can't help and why, just nothing. That I did not feel that they had held up our agreement when I reported a dispute. \nNever was the dispute even mentioned. They continued to bill me and tacked on late fees. I replied they could take those off until such time as they saw fit to address my worries and dispute. \nThe Fourth and last letter I sent I copied to the headquarters JPMorgan Chase Bank XXXX XXXX XXXX XXXX, Ohio XXXX, registered receipt signature, once again explaining that the account was still in dispute along with a copy of the first letter, fourth letter and dispute copy. I still have seen no evidence that my dispute form had ever been addressed and that as far as I was concerned our relationship was at an end. That they had not done what I considered their job, I was certainly not going to pay them for being rude, dismissive and bullying when I was having a problem. The most recent contact I have had with them is a charge-off threat and threat to further impact my negative credit. \nI have not seen fit to address that one. I wrote it and it sits here. \nI am way over trying to get them to do what I considered part of their responsibility to me. All I ever asked for was an inquiry into the security agency that took my DL and a receipt for the groceries, which will do me little good at this late date, as much of that has been assimilated. I do not feel it is right or even legal for them to impact my credit seeing what nothing they have done. \nIs there anything to work with here?","date_sent_to_company":"2020-12-11T14:33:17.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"99205","tags":"Older American","has_narrative":true,"complaint_id":"3990712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-12-04T01:48:29.000Z","state":"WA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["The Fourth and last letter I <em>sent</em> I copied to the headquarters JPMorgan <em>Chase</em> Bank XXXX XXXX XXXX XXXX, Ohio XXXX, <em>registered</em> receipt signature, once again explaining that the account was still in dispute along with a copy of the first letter, fourth letter and dispute copy. I still have seen no evidence that my dispute form had ever been addressed and that as far as I was concerned our relationship was at an end."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[14.493097,"3990712"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":57,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":57}]}},"product":{"doc_count":57,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":14,"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":14}]}},{"key":"Checking or savings account","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":9},{"key":"Other banking product or service","doc_count":2},{"key":"Savings 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