Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Final Legal Demand for Settlement and Arbitration To : JPMorgan Chase Bank , N.A . 
Date : XX/XX/year> From : [ XXXX XXXX XXXX ] Accounts Ending In : [ XXXX Checking ], [ XXXX Savings ] All Rights Reserved UCC 1-308 Subject : Final Demand for Settlement, Arbitration, and Full Redress Fraud, Retaliation, Breach of Contract, and Willful Misconduct To Whom It May Concern, I, a natural-born, sovereign human being, protected by the Constitution of the United States, the Bill of Rights, and applicable federal statutes, hereby issue this final demand for lawful and immediate redress. My rights under Article I, Section 10 of the U.S. Constitution, and due process under the 5th and 14th Amendments, have been consistently and egregiously violated by JPMorgan Chase Bank through deceptive, negligent, and retaliatory practices. 

Background of Complaint and Legal Standing After initiating legitimate claims of fraud in XXXX and XX/XX/year>, involving unauthorized transactions with Lyft and Experian, while my account was in a locked status, Chase Bank itself, through a recorded call with its representative during the second claim, affirmed that fraud had occurred. The representative admitted that : The transactions were unauthorized ; My account was in a locked status at the time of each charge ; and Chases own internal investigation determined fraud occurred. 

Despite this acknowledgment, Chase has nowwithout valid cause or lawful justificationtaken steps to reverse its original findings and reclaim refunded amounts, effectively stealing from a consumer in a retaliatory manner after I submitted a formal demand for {$1.00} XXXX in damages for its multiple and continuing violations. 

Violations and Legal Citations The following are among the many laws and standards Chase has violated : 1. Regulation E ( 12 CFR Part 1005 ) Failure to investigate and resolve unauthorized electronic fund transfers and debit transactions in good faith.

2. Regulation Z ( 12 CFR Part 1026 ) Failure to provide accurate disclosures and notice regarding liabilities and dispute rights.

3. Fair Credit Billing Act ( 15 U.S.C. 1666 ) Mishandling of dispute resolutions, unjust re-debiting of funds. 
4. Truth in Savings Act ( 12 U.S.C. 4301 et seq. ) Mishandling and illegal overdraft transfers from my savings account ending in XXXX. 
5. CFPB Regulations ( 12 U.S.C. 5531, 5536 ) Engaging in abusive, deceptive, and unfair acts or practices ( UDAAP ). 
6. 18 U.S. Code 1343 Wire Fraud Knowingly transmitting false statements through interstate communications. 
7. 18 U.S. Code 1001 False Statements Knowingly submitting false claims responses to the Consumer Financial Protection Bureau.

8. Uniform Commercial Code 3-305 and 4-401 Failure to prevent unauthorized charges and wrongful dishonor of claims.

Criminal Implications and Retaliation Chases recent attempts to reverse legitimate fraud findings and remove previously credited fundsparticularly in response to my settlement demandconstitutes retaliatory fraud, theft, and bad faith banking practices. Furthermore : The representative stated that credits could not yet be applied because the charge had not yet posted a demonstrable falsehood. 
My claim was never visible in the Track Claims portal, violating transparency obligations under Regulation E. 
Chase applied overdraft protections automatically, without my authorization, transferring {$42.00} from my savings account and further debiting my checking account. 
Upon confrontation, your representative backtracked and said my temporary credit was approved and provisioned confirming internal misrepresentation or deception. 

Demand for Legal Relief and Arbitration I hereby DEMAND : 1. Immediate reinstatement of all removed or disputed funds, including the {$83.00} fraudulent debit and any related overdraft charges. 
XXXX. Full and immediate binding arbitration, as protected under federal law and per Chases own account agreements and prior acknowledgment. 
XXXX. A full forensic review of all claims, transactions, and phone conversations involving my accounts and Chase representatives since XX/XX/year>, by an independent third-party or regulatory agency. 
4. An itemized audit of the dates, internal memos, claim status changes, and fund movements relating to the Lyft-related fraud claims.

5. Compensation in the amount of {$1.00} million USD for financial harm, emotional distress, reputational damage, deprivation of rights, and retaliatory harm as sustained under the color of law.

Notice to Agent is Notice to Principal. Notice to Principal is Notice to Agent. 
This demand is not duplicative. It is distinct, time-stamped, and informed by Chases continuing and worsening misconduct. Your failure to honor your obligations will result in formal complaints being filed with the OCC, CFPB, FTC, the U.S. Attorneys Office, and commencement of civil litigation under applicable federal laws. 

You have 10 days from the date of this notice to comply in full. 

With full reservation of all rights, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Rights Reserved UCC 1-308 / Without Prejudice

Company response to consumer: Closed with explanation