Product: Checking or savings account

To : Chase Bank Customer Service Department Address : [ Chase Bank XXXX Address ] Subject : Formal Complaint Regarding Unauthorized Card Replacement, Refund Denial, and Unfair Fees Dear Chase Bank Customer Service, I am writing to formally file a complaint regarding the recent unauthorized actions on my Chase bank account ( [ Your Account Number ] ). I have been a loyal Chase customer for decades, maintaining a consistent balance above {$2000.00}. However, I have encountered numerous issues in the past few months that suggest intentional misconduct and poor customer service. Below, I outline the specific problems : Unauthorized Card Replacement and Unjust Fees Without my consent, Chase issued a new card and charged a delivery fee for the replacement. I did not request a new card, and I find this charge unacceptable and unauthorized. 

XXXX Refund Denied Without Justification Despite receiving an email confirmation from XXXX stating that the refund was processed successfully, Chase repeatedly denied receiving the refund. I contacted Chase multiple times, only to be misled and given inconsistent explanations. Ultimately, Chase closed my claim without resolution, even though I provided clear evidence of the refund. 

Manipulation of Partial Refund Claim During my phone call on [ Date ], I explicitly filed a partial refund claim, which was acknowledged by your claims department employee " Blue. '' However, Chase processed the claim as a full refund, contrary to what was discussed. The representative later stated that Chase does not process partial refund claims, which is misleading, as the Chase App previously allowed for partial refund claims.

Intentional Obstruction and Time Wasting Chase has wasted over XXXX hours of my time across multiple phone calls, deliberately dragging out the process and obstructing my ability to resolve these small claims. Furthermore, the Chase App now prevents me from filing claims directly, forcing me to call and waste even more time. This behavior suggests a deliberate attempt to inconvenience and frustrate customers. 

Unfair Monthly Fees After manipulating my account balance to drop below {$2000.00}, Chase began charging a $ 15 monthly maintenance fee, which is clearly an attempt to exploit the situation. This fee was imposed despite my long-standing history of maintaining a sufficient balance. 

Requested Resolution : I demand an immediate refund of the unauthorized delivery fee for the new card. 
I request the immediate processing of the XXXX refund claim and compensation for the delay caused by Chases mishandling. 
I demand a refund of the $ 15 monthly maintenance fee, which was imposed unfairly after Chases manipulation of my account balance. 
I request a written explanation and apology for the intentional delays, misinformation, and unprofessional conduct exhibited by Chase employees, including " XXXX. '' If these issues are not resolved promptly, I will have no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York Department XXXX XXXX XXXX ( NYDFS ). Additionally, I reserve the right to seek legal action for damages caused by Chases fraudulent practices, including but not limited to intentional infliction of emotional distress and financial loss. 

I expect a written response within XXXX business days of receipt of this letter. Failure to resolve these issues will result in immediate escalation. 

Sincerely, XXXX XXXX Chase account number : XXXX