Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
What happened On or about XX/XX/year>, my bank account was frozen following a judgment in the approximate amount of {$210000.00}. However, the bank restrained my account for approximately {$430000.00}, which is twice the amount of the judgment. even the XXXX amnt is an error based on an incorrect or inflated figure advanced by the creditor, and the bank failed to verify or properly limit the restraint. As a result, I have been completely denied access to all funds, including funds that are legally exempt from restraint, and in an amount that far exceeds the underlying judgment. Failure to provide required EIPA exemption form and misinformation Under New Yorks Exempt Income Protection Act ( EIPA ), codified at CPLR 5222-a and 5222 ( i ), a bank is required to provide an Exemption Claim Form and Notice when an account is restrained. When I requested this form, the bank stated that they had not received it from the creditor This statement was incorrect. The creditor later confirmed that the form had in fact been sent This interaction occurred on or about XX/XX/year>, and is documented by both the banks call recordings and my own records Because of this misinformation, I was prevented from timely asserting my statutory exemption rights. Repeated notice of exempt funds and submission of proof Despite not being provided the required form, I made extensive efforts to notify the bank and provide supporting documentation : I repeatedly informed the bank that the funds in my account are exempt I submitted documentation, including : Letters from financial and insurance carriers Tax returns Sworn affirmations from myself and my spouse regarding the nature of the funds I placed the bank on notice of exempt status : Prior to judgment On XX/XX/year>XXXX ( phone ) On XX/XX/year>XXXX ( written and phone ) And repeatedly thereafter, including today Despite this, the bank has taken no action to release exempt funds. Violation of New York statutory requirements ( EIPA ) Under CPLR 5222-a ( c ) ( 4 ) : A bank must release exempt funds within 7 days after receipt of a valid exemption claim if no objection is made Here, the bank : Failed to properly provide or process the exemption form Ignored repeated direct notice and supporting documentation Continued to restrain funds well beyond statutory timelines Additionally, restraining twice the judgment amount reflects a failure to properly administer the restraint in compliance with New York law . The continued restraint of funds after repeated notice of exemption, combined with the failure to provide required statutory forms, exposes the bank to liability for wrongful restraint under New York law and potential violations of federal consumer protection and disability access requirements. Failure to provide reasonable accommodations for disability I am a XXXX individual with documented limitations affecting XXXX and XXXX. Despite being explicitly placed on notice of my XXXX, the bank : Required me to rely on printing, mailing, or faxing documents Failed to provide any electronic submission option Refused to provide an email address or accessible alternative Failed to provide any reasonable accommodation This conduct is inconsistent with obligations under : The Americans with Disabilities Act ( ADA ), Title III Requiring a disabled consumer to use exclusively paper-based processes to assert legal rights creates a substantial barrier to access. Obstruction and failure to escalate On multiple occasions, including XX/XX/XXXX and again today, I : Requested to speak with a supervisor or attorney Was told that no one was available, despite being informed they were present Was denied meaningful escalation or review Ongoing harm and urgent health impact As a direct result of the continued restraint of my account, I have been left without access to funds necessary for essential medical care. I have repeatedly notified the bank that : I do not have funds to purchase prescribed medications for myself or my XXXX child Both my child and I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These notifications were made through multiple calls and written communications, yet the bank has taken no corrective action. The continued restraint of all funds, despite notice of : Exempt status XXXX XXXX necessity has created an immediate and ongoing risk to health and safety, and has resulted in material harm, including interference with access to medically necessary treatment. The bank has been repeatedly placed on notice that its actions are preventing access to medically necessary treatment for both me and my XXXX child, yet has failed to take any corrective action.

Company response to consumer: Closed with explanation