Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : CFPB Complaint Unauthorized Account Activity, Restricted Access to Funds, Financial Harm, and Request for Compensation from JP Morgan Chase Bank To the Consumer Financial Protection Bureau : I am submitting this complaint regarding JP Morgan Chase Banks handling of unauthorized activity on my accounts, repeated freezes placed on my funds, and inconsistent or inadequate assistance from both the branch and fraud department. These issues have caused significant financial harm, including loss of access to my federal benefits and multiple missed payments. On XX/XX/year>, I experienced a medical emergency, was air flighted to XXXX XXXX in XXXX XXXX, and treated for a brain bleed. During this period, I was without access to my phone. Upon returning home, I discovered unauthorized activity in my checking and savings accounts for over XXXX dollars. I contacted Chase immediately, and the bank froze my accounts. During my initial call, I was transferred to the fraud department and told only that I needed to visit a branch to open a new account. No further guidance was provided. A later call regarding my incoming Social Security Survivors ' Benefit resulted in conflicting information about whether and when I could access the funds. On XX/XX/year>, a friend drove me to the XXXX, XXXX branch because I had not been cleared to drive. A representative opened a new account but provided minimal assistance and did not issue a debit card. When I requested documentation explaining why my previouslycleared rent payment had been reversed, the branch directed me to the fraud department, which then directed me back to the branch. No documentation was ever provided. Shortly after opening the new account, Chase froze that account as well. Although my Social Security benefit was deposited, all ACH payments are being declined, and I have no access to any of my funds. As of XX/XX/year>, these restrictions have caused : XXXX months of unpaid rent totaling {$3500.00} A pastdue car payment of {$650.00} plus late fees An electric bill scheduled for disconnection on XX/XX/XXXX Additional bills totaling {$780.00} Only {$5.00} in cash available for basic needs These losses occurred because Chase reversed a cleared payment, froze both accounts without clear explanation, and failed to provide consistent or adequate support. Request for CFPB Review and Consumer Relief I respectfully request that the CFPB review the following issues : Chases handling of my unauthorized activity claim. The freezing of both my original and replacement accounts, preventing access to essential funds. The restriction of my Social Security Survivors Benefit, which I rely on for basic living expenses. The lack of documentation or clear communication from branch and fraud personnel. The financial harm caused by Chases actions and delays. In addition, I am requesting compensation from JP Morgan Chase Bank for : All late fees, penalties, and charges assessed because I was unable to access my funds Reimbursement of the reversed rent payment and any related costs Utility reconnection fees ( if applicable ) Any additional financial losses directly resulting from the freezes and miscommunication Consideration for the hardship created during a medical recovery period My goal is to regain access to my funds, resolve the unauthorized activity, prevent further financial damage, and be made whole for the losses caused by the banks handling of this situation. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation