Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
CFPB COMPLAINT BLOCKED INCOMING TRANSFER & DATA DISCLOSURE FAILURE Consumer : XXXX XXXX XXXX Date of Incident : XX/XX/year> Institution : JPMorgan Chase Bank , N.A . Type of Issue : Payments/ Money Transfers/ Fraud Flags/ Adverse Action Without Disclosure Complaint Summary On XX/XX/year>, I attempted to transfer funds from my XXXX XXXX account into my Chase account using XXXX. The transfer was blocked by Chase. Chase provided no explanation, no reason code, and no disclosure of the data used to justify the block. This constitutes an adverse action taken by Chase against me. Because Chase restricted my access to incoming funds, I am entitled to receive : the specific reason for the block the data Chase relied on the source of that data any thirdparty information used all fraud flags, alerts, and risk scores all internal notes related to the decision Chase has refused to provide any of this information. Details of the Incident On XX/XX/year>, I initiated a XXXX transfer from XXXX XXXX to my Chase account. The transfer was blocked by Chase. Chase did not notify me of the reason. Chase did not provide any written explanation. Chase did not disclose the data or risk scoring used. Chase did not identify any thirdparty data sources. This is a denial of access to a financial service and therefore an adverse action requiring disclosure. Information Chase Must Disclose ( but has not ) I am requesting that Chase be required to provide all data used in the decision, including : XXXX. Reason for the Block The exact internal reason code Whether the block was automated or manual Whether it was classified as fraud, risk, security, or compliance 2. ThirdParty Data Sources Chase must identify any external data used, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase fraudrisk models Any XXXX or sanctions screening XXXX. Fraud Flags & Risk Scores Chase must disclose : all fraud alerts all risk scores all identityverification results all behavioralrisk indicators any highrisk customer or highrisk transaction labels any automated system flags 4. Internal Notes & System Logs Including : timestamps the system that generated the block the employee or department that reviewed or approved it any internal comments or escalation notes XXXX. Data Access Records Chase must disclose : the date/time the data was accessed which system accessed it which thirdparty vendor provided it Why This Requires CFPB Intervention Chase took an adverse action by blocking an incoming transfer and then refused to provide : the reason the data the source of the data This violates the transparency obligations that apply when a bank denies access to a financial service based on internal or external data. I am requesting that the CFPB require Chase to : XXXX. Provide the full explanation for the blocked transfer. XXXX. Provide all data, risk scores, and fraud flags used in the decision. XXXX. Identify all thirdparty data sources relied upon. XXXX. Provide all internal notes and system logs related to the block. XXXX. Correct any inaccurate or improperly used data. Requested Resolution I request that the CFPB compel Chase to : Provide the complete data disclosure listed above. Provide the specific reason for the blocked transfer. Identify all thirdparty data sources used. Remove any inaccurate or improperly applied fraud or risk flags. Confirm that my account is not being restricted based on false or unverified data.

Company response to consumer: Closed with explanation